Health Insurance: It's Private

 This Week's Topic: Health Insurance

It's likely you, dear readers, don't want to endure my lengthy diatribe on the rapacious US Health Industry, our longstanding corporate death panels, the staggering increases in insurance premiums so the insurance companies can rake in over $350Billion in annual revenue, private equity firms crippling private practices with undue administrative burdens, how the hulking medical complex routinely punishes the unmarried, nor my objections to religious groups operating medical facilities (thus imposing their beliefs on anyone seeking care).

Instead, I'll share what I --a single, self-employed, not-incorporated-- author does about the necessary evil that is health insurance. I have private insurance that is not through the ACA Marketplace. I got it after I left corporate, before the ACA was a thing. It is not part of a guild-sponsored program, so I can't speak to whether those are cost-savers or not. Naturally, I did (and continue to) look into plans offered by the ACA; however, aside from ridiculously high deductibles, the bigger problem is finding doctors who accept that insurance. I'm fortunate to live in a city where hospitals and medical specialists abound, yet it is still a struggle to find practices that accept ACA-provided insurance. Alas, my health insurance is more expensive than the mortgage I have on a 3br townhouse in an urban historic district in a major metro area. This year (last week, as matter of fact) my insurance company informed me of a 30% increase in my premium. 

30% Increase
30%
The national inflation rate
that incited political and cultural warfare was 7% by comparison

Funny how insurance companies send out those premium-increase notices after the ACA Marketplace open enrollment closes, eh? Yes, it makes me incandescent with rage that we have no recourse. Yes, I'm aware that the ridiculous congressionally-sanctioned robbery that is health insurance is all that stands between me and bankruptcy caused by medical expenses. Yes, I know there are tax deductions that can be taken, however, one still has to pay the premiums even if book sales are at rock bottom. 

Do I wish our federal and state governments would overhaul our healthcare system? Gods yes. Health Insurance is the greatest fraud and extortion perpetrated upon the US population.