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[VAN DELL JORDAN <vdjor AT yahoo.com>]

I would be bankrupt without health insurance.  Our
medical expenses are much more than our income.  Even
with that medical, insurance premiums plus copay and
other expenses take up about a quarter of our income.

I do think that we,society, have lost the concept of
insurance.  Best I think that we have catastrophe
insurance only.  It does not seem efficient to use
insurance to pay for regular expenses like regular
doctor visits or every ding on the car.  For that
reason when I buy insurance I get the highest possible
deductible.

The Amish don't buy insurance but they know every one
will pitch in to help out in a disaster.

Van Dell



--- Gene GeRue <genegerue AT ruralize.com> wrote:

> While reading William Safire's column titled "Moral
> Hazard,"*  which  
> introduction relates to the Bear Sterns bailout or
> financial market  
> saver--your choice--this statement stopped me in my
> eye tracks: "There  
> are still those who mutter that burglary insurance
> discourages people  
> from locking their doors, but the idea of all kinds
> of insurance —  
> purchased by individuals or given by government —
> seems to have caught  
> on."
> 
> I'Safire that Safire is correct: the concept of
> insurance, in its  
> myriad manifestations, does indeed seem to have
> caught on. I know  
> people, and so do you, who pay thousands of dollars
> each year to  
> "insure" their health, their homes, their lives,
> their furniture,  
> their potential liability. If not now, no doubt
> there soon will be  
> insurance to insure that your insurers pay off on
> your legitimate  
> insurance claims.
> 
> While I was raising my daughters, I paid for
> so-called health  
> insurance, even though I already deemed it to be in
> fact disease  
> insurance. I wanted to be sure to be able to take
> care of any of their  
> needs that might arise. Today, I have property
> insurance on the  
> Phoenix house because it is required by the lender;
> I have vehicular  
> insurance because it is required by law and there
> are a lot of bad  
> drivers out there and others who would happily take
> my property and  
> bankrupt me if the opportunity arose.
> 
> On Heartwood, there is no insurance of any kind.
> This is my sanctuary;  
> this is where I make my stand; this is where I live
> my values  
> regardless of what the world thinks of me. And yet .
> . . I know there  
> are those who, while visiting, if they stumbled and
> fell over their  
> own feet and cracked their skulls, might well seek a
> lawyer to help  
> them take from me all that I have.
> 
> Insurance companies make big profits. They own big
> buildings in big  
> ciCEOs. Their CEOs own third homes on the
> Mediterranean. I don't know  
> if they still enjoy the immense tax advantages they
> acquired back when  
> insurance was a new concept and when insurance
> companies convinced  
> politicians that they needed help through tax
> exemptions to become  
> strong enough to help those policy holders who
> against all odds  
> justified their right to a payoff. I do know that
> insurance is very  
> big business in the land of the free.
> 
> Beyond the dollar cost, it seems to me that
> insurance is an aberration  
> of modernity. It is proof that we are uncivilized,
> irresponsible,  
> fearful, and probably that there are just too damn
> many lawyers  
> looking for work.
> 
> What are your thoughts on the issue of insuranhttp
> www
nytimes/www.nytimes.com/2008/04/06wwlnasafire6wwhtmlafire-t.html?ref=magazine
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