Health Insurance

Posted by – September 10, 2009

I’ve talked to a bunch of people about health insurance in this country but I want to talk about how it goes for someone like me.

I don’t think anyone can argue that I don’t contribute, am a deadbeat. I’m not poor enough to get Medicaid & I’m not old enough for Medicare. I want to pay my medical bills.

Now that I’m employed by a university, I can get good health insurance for $250/month.

As a freelancer, though my union, I could get shoddy health insurance for $1000/month.

That’s what Obama is trying to fix. Someone like me, who works part-time, or contractually, has very few options that are competitive as per a capitalist system.

It’s not socialist or anti-capitalist to want the free market to work.

Right now, however, it’s not: the health insurance companies have become a kind of monopoly, or trust, that enables only the biggest corporations and institutions to get a fair shake.

I’d like health insurance that’s affordable and good without being part of a corporation. From things I read, I get the idea that more & more people are employed in the way I am. We are not unproductive members of society. We’re often entrepreneurs, self-employed, or artists of some stripe or another.

I’m tired of being treated like a second-class citizen because I’m on the cusp of tradtional & non-traditional employment.

2 Comments on Health Insurance

  1. Sarahgoat says:

    I work for myself. Health insurance costs me $1000 a month, good insurance, but for me alone, and in another couple of years I won’t be able to keep it, I’ll have to go elsewhere. My children are still covered as dependents of another person. When one of them very soon doesn’t qualify, I don’t know what I’ll do. I’m eager for Medicare to kick in, only about 11 more years.

    If I change providers, none of my ongoing problems will be covered.

    There needs to be a total re-invention of the insurance system. I don’t like all of what Obama suggested, but I sure liked enough of it, and way more than I do of our current system.

  2. kiri says:

    A few years back, I *had* insurance, but the company found an obscure and complicated loophole. I actually downloaded the entire state insurance code and went through it. They were astonished that I found the key half-sentence. The whole fiasco was contingent on the co-occurrence of several unlikely conditions that my situation just happened to meet. Bottom line: a totally arcane clause in the regulations cost me thousands of dollars.

    Other countries get better outcomes for a lot less money. We should be able to reform the system *and* save a pile of money. But it won’t happen because the insurance industry and corporate health care stuff the campaign coffers of the politicians.

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