The Absurdity Of Health Insurance

Just got a letter today about my health insurance. It's the same letter we get every year about this time. And it's always got the same message. Whatever deductibles there are are going up, whatever co-pay you have it going up, and, by the way, your premiums are going up too.

Every year like clockwork.

The fact is we need health care reform, insurance reform, and we need it now. This is so absurd. Just because time has passed, another year, our benefits have to go down and our cost has to go up. It happened last year, the year before, every year that I can remember. So what are we looking forward to next year about this time? The same absurd situation.

We already have such a high co-pay on medicine that it's usually more cost effective to buy the drug outright with cash and bypass the insurance company all together. Yet we continue to pay premiums for the right to say we have prescription benefits. As far as I know, they would gladly accept our larger co-pay for medicine they sell online for medicine we can buy locally a lot cheaper.

So it's an absurd situation. One the Republicans want us to stay in. A cycle of paying more and getting less, ad infinitum, I guess until we're paying out 100% of our income and getting 0 benefits. Which we of course couldn't do. But there doesn't seem to be any ceiling in sight on the costs or any floor in sight on the reduction in benefits.

We need ... We must have some kind of common sense reform. This great country shouldn't have such a screwed up system of health care. It's crazy.