Day 14

I have a bit to say today about the insurance industry.  Some forms of insurance are fine for what they do but health insurance is not working for our country.  If it were what it originally intended that they make a living from selling you this insurance and taking the risk that you are going to be sick and they will have to pay.  It has now become a cash cow that is taking in 400% in profit while people go broke and lose their homes all while on insurance.  The original intention of insurance was to prevent this from happening.  Something is dreadfully wrong with this system when it works the way it is working now.  We need a change.  Everyone is complaining about “Obama” care.  They have been given a lot of what I call lobbyist talk from the insurance industry that is wanting to maintain their profits no matter what it costs real people in their health.  I may not have the answer completely worked out but it’s an idea.  I say we put an end to the health insurance industry.  A lot of people that work in this industry are not going to like these changes so I would expect a whole lot of push back and cries of you will never see a Dr. or people will die.  People are dying right now and people will always die it’s just a matter of what level of care we want to give them to keep them alive.  To replace the cash cow of the insurance industry I say that we take the level of money that is being spent today for insurance and put that money into a pool.  Now knowing that there are some people that will want to over use the doctor because of hypochondria I would be just fine with everyone paying a ten dollar co pay to see the doctor.  Not only that a doctor that saw some patient with hypochondria could refer them to see a psychiatrist for that issue.  The money in the pool could not be used for anything but health care as just like social security the congress has found ways to take money from that fund for other foolish things.  No one seems to understand that social security would be just fine if they had not taken our money saved for other things.  We would need an airtight law that congress could not touch this money.  There would be money for research and for long term care when needed and we could also look at other methods of caring for older people that would keep them from nursing care until there was no other way.  Why a few people should be allowed to profit from our need for healthcare and then when we need it the most be able to walk away from us.  It makes no sense.  The people that would lose their jobs that helped to run the insurance machine could be used to be in jobs in the health industry and a small number that would be needed to run the payments for Dr.’s and nurses.  We could cut the middle man out and take the huge profits to get our health care up to the highest standard.  No one should live in fear of getting sick.