Wednesday, June 7, 2017

On Health Insurance

There are a lot of things wrong with Obamacare, but Republicans and Democrats disagree on what exactly to do to fix it.  In my opinion, poor people should have the Gold plans.  Rich people can get by just fine with the Bronze plans.

Outrageous you say?  Hmm, let's take a look.  Buying insurance is taking a gamble on the future and hoping you lose.  Because to not lose, you have to suffer a loss, pay your deductible and, take the insurance payment and start over.

Take earthquake insurance for example.  These policies are priced based on replacement cost and how big a deductible you have.  We have earthquake insurance (we live in California!) and our deductible is $30,000.  Someone else who lives in Beverly Hills would have a lot higher replacement cost than we do, and would therefore have a much higher deductible.  If our house is destroyed in an earthquake, we can rebuild our house for $30 large.  We could handle that.  If a really wealthy person's house is destroyed, they might have a $200,000 deductible, but they could prob'ly handle that.

Someone who lives in Los Banos might have a house that wouldn't cost as much to rebuild, so maybe their deductible would only be $20K.  But wait.  There is still the matter of the premium which might, for this person, only be a few hundred a year, but there might not be room in their budge for that.  Plus, they absolutely couldn't afford the $20 large deductible.  So if an earthquake takes their home, they're out on the street.

Now consider health insurance.  In the examples above, let's say the Beverly Hills homeowner, the Los Banos homeowner, and I are all the same age and in the same good state of health.  Beverly Hills can afford a Gold Plan with almost no co-pay and a $1000 deductible.  I can afford a Silver, with a larger co-pay and $5000 for a deductible.  And the Los Banos resident has to settle for a Bronze, which has much lower premiums, but high co-pays and maybe a $10,000 deductible.   

In a good year, none of us use up our deductible because we don't have to see the doctor that much.  Beverly Hills's co-pay is very low -- no problem.  Mine is medium -- I can handle it.  Los Banos's is pretty high.  Los Banos hesitates before going to see his doctor because it's gonna mean skipping a meal or paying only the minimum on the credit card (and incurring more finance charge).  But he finds a way to deal with it, especially if it's his kid that needs the doctor.

But suppose the three of us have a bad year and need surgery.  We go into the hospital and we have our surgery.  The cost is $100,000 for each of us.  Beverly Hills doesn't have a high-end body with luxury organs, his premiums are not based on a higher replacement cost for his organs.  I need the same surgery and my cost is the same as his.  Los Banos also needs the same surgery and incurs the same charges. 

Beverly Hills pays his $1000 deductible and gets on with his life.  I pay my $5000 deductible and get on with my life.  Los Banos can't pay his $10,000 deductible and he and his family are bankrupt in one fell swoop.

The Bronze plans for poorer people should be the $1000 deductible plans with the little or no co-pays and cost the same as they do now.  The Gold plans should have the $10K deductibles and the high co-pays, and cost the same as they do now.  That's how you fix Obamacare.
This was inspired by the Summer 2017 Issue of UU World Magazine

Thursday, June 1, 2017

Nevertheless, We Persisted

The 45th president praises and reaches out to authoritarian dictators Vladimir Putin, Kim Jong Un, Recip Tayyid Erdogan, and Rodrigo Duterte.  And then shares highly classified information with the Russian Foreign Minister Sergey Lavrov, and the Russian Ambassador Sergey Kislyak. Authoritarianism and treason.

The Kushers profit in China off the Trump name and presidency, and meet with Russian bank officials secretly.  45 himself hangs onto his businesses.  Conflict of interest.

EPA Administrator Scott Pruitt fires scientists from the scientific review board and replaces them with fossil fuel industry representatives.  Then all the climate change documents disappear from the EPA website.  Climate denial.

Attorney General Jeff (What Me Worry?) Sessions, in spite of recusing himself, suggests 45 fire James Comey who is investigating the Trump-Russia connection.  Then advises law enforcement to charge drug offenders with the most serious charge available in order to trigger the harshest maximum sentences.  Racism and cronyism.

Health Secretary Tom Price praises the House (mis-named) American Health Care Act saying it will increase patients' access to health care, when the CBO and the AMA assert the opposite.  Healthcare only for the rich and the well.

Interior Secretary Ryan Zinke supports the Keystone Pipeline, opposes carbon emission regulation, "reviews" our National Monuments.  Exploitation of public lands.

Secretary of State Rex Tillerson appears with Russian Foreign Minister Lavrov, laughs with him about Jim Comey's firing, and walks off without answering reporters' questions.  Profits before people.

Education Secretary Bestsy DeVos wants taxpayers to pay for private schools even if they discriminate.  Anti-public education and more racism.

Texas Governor Greg Abbott signs a law threatening sheriffs with jail if they do not cooperate with federal immigration authorities, when every major police chief in the state opposed the bill.  Anti-immigrant nationalism.

House of Representatives candidate Greg Gianforte violently attacks a reporter and gets a hundred thousand dollars in donations when news of it breaks.  Hatred for and mistrust of the Press.

Above and around all this, more and more of the White House gang is being implicated with Russian spies and money launderers, the latest being 45's son-in-law Jared Kushner, the highest-ranking, most influential presidential family member ever in history!  Nepotism.

Despair rules.  Hopelessness reigns.  Futility wins.  The energy to keep fighting fades.  He is not my president.  This is not even my country anymore.  It doesn't matter what is right and just and fair.  The only things that happen are those that the people in power want to happen.  And they got in power by cheating, lying, misleading, and deceiving... with the help of a nefarious foreign dictator named Putin.  Will of the people -- will of the majority -- be damned.

You can curse me for this nihilistic soliloquy, but this is where I seem to be right now. 

Or...  Maybe I just need to rest a bit, catch my breath, take five, go to coffee.  Inhale.  Exhale.  Sip of coffee.  (Sip of scotch?)  Close the eyes a moment.  Breathe!

Okay, I feel a little better now.  I remember Dr Martin Luther King Jr, and Representative John Lewis, and labor activists Cesar Chavez and Joe Hill.  No one will remember my name, but they'll remember Neil DeGrasse Tyson and Bill Nye and Carl Sagan.  King and Lewis and Chavez and Hill and Tyson and Nye and Sagan weren't and aren't alone.  There were many, many thousands behind them.  Maybe I can be one of those nameless thousands that persisted!

Okay, I'm ready to go hit it again.  Write letters and op eds.  Call my Congressones.  Knock on doors.  Phone bank.  Table.  All those good, empowering, difference-making verbs.  The odds may be against us.  We may be out-numbered.  We may be out-gunned....

Nevertheless, we persisted!