One thing you learn if you work around insurance for a while is that instability and unpredictability drive everybody’s costs up. A lot. And it turns out it doesn’t matter if that’s car insurance, homeowners insurance, life insurance or health insurance.
One thing I’ve learned after 55 years on this planet is that we all walk around every day with biases that color our decision making. Some of these biases can be safety-related (“I really don’t want that wild snake in my home, even though I can’t tell a poisonous one from a safe one!”) or designed to support sensible decision making (“I probably won’t give Jim any more work, since he keeps getting caught stealing from the company!”) or even beneficial to society (“Sure, I could dump these excess chemicals into that river with no idea what impact they would have on the environment, but it just feels wrong!”).
I’m having a really bad dream, but I’m wide awake! You know the one I mean? Where you are in an impossible situation, you see something really bad about to happen, and there is nothing you can do about it? And you just have to watch the horrible event unfold, unable to change or alter it? Worst dream ever.
I just can’t wrap my brain around these numbers (even after 55 years of living in South Louisiana).
Most of us have already been there. Someone very dear to you, a child, parent, brother, sister or spouse gets sick, and then really sick, and you get scared. What to do?
The candidates on the campaign trail have their opinions about how to fix the Affordable Care Act (ACA), how to make health insurance marketplaces work better and how to get everybody insured. Every policy wonk and think tank in America has weighed in on the problem. Of course, their solutions are all in alignment with their institutional biases on how healthcare OUGHT to work in America.