I noticed a quotation in a newspaper article yesterday in which the speaker said that in a few years the cost to provide health insurance to a family of four could exceed $40,000 per year, as the incidence of obesity, cancer, and other diseases increases. I think it will be more than "a few years," judging by the cost to insure the Laquedem household, which (including the generous contributions of the Noble Employers) is about $15,000 per year now, but it's certainly expensive and accelerating.
My current complaint about health insurance, besides the incomprehensible statements of billing that put my most Delphic utterances to shame, is that I have too much of it. My insurance covers all except the first $10 or $15 of each visit to the physician and of each prescription. I'm perfectly happy to pay $50, $100, or more for each visit and to pay for the prescriptions, up to my tolerance for risk, and then to insure the rest, but as far as I can tell the Selfless Companies that provide insurance plans through the Noble Employers don't offer plans like that any more to groups.
That's why I grouse when I see legislators propose to require the Selfless Companies to cover more diseases, because they then say that "insurance should cover Disease X." If the proposal passes, "insurance" isn't going to cover Disease X; the other people who carry insurance will cover Disease X. The Selfless Companies are only the conduit. I'd be less bothered by a legislator who said something like, "All of us together as a society, including my insured constituents, should pay the cost to treat those few unfortunates who have Disease X, and the insurance companies are the most effective way to collect that cost from the general public." I'm not holding my breath waiting to hear a lawmaker say that, which is a good thing, because my insurer doesn't cover sleep apnea.
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