Anathema Wealth & Hellness
For a month or so, our insurer has been in the news because they’re raising our self-insurance rate 39% (that’s almost 40%, which is well on its way to increasing by half…in a single jump!). People like CC and I are the smallest group of insured people–the self-employed–in California.
The Chronicle’s story today on the health-care cartel pointed out that all the fees are cloaked in secrecy
Patients pay different amounts and hospitals all charge different amounts depending on who you are affiliated with. Those affiliated with no one or nothing pay the most by far, unless they are perfectly, proveably indigent–a state easily achieved when you have to pay for trauma aftermath, spending down to qualify for Medi-Care.
Our broken system is widening the have/have not gap. Even people with little more than a roof over their head–the cartel wants it. No, it wants it liquidated ; just hand over the money.
Hard to imagine change. In California the cartel pays to both political parties…and even assures that any kind of voted-for change has to pass unrealistically high standards (the 2/3 majority). But somehow, forty years ago Hawaii figured out a way to insure everyone…and it hasn’t lead to ruin. Or has it? Do I even know?
An unorganized group (we’ll call them ‘citizens’) cannot match the spending and PR power of the cartel.
So the once-useful tool to rout the corrupt railroad barons, etc has now become a tool for the very villains that the tool was designed to rout.
Hence, “Anathema”. We shrug, and hand over all our assets, earned by the month.
This is to keep them from forcing us to sell the hovel.
Superb business, no competition…. No matter what you do, you are paying them. Incrementally, the way a smoker courts death on the installment plan, or all at once, when you have an accident, and have to spend down. It is true we all die anyway.
It would be grand to deny them our hovel, though.
These days I want to not bother being insured, CC won’t think of it. We have debates. One thing is for sure. We are changing companies, even if we can’t avoid paying even MORE per month. With Anathema, you got absolutely nothing on the plan we had. It was simply a payout to prevent house-grabbing.
With Kaiser, you actually are paying for doctor visits and stuff. Why we started with Anathema in the first place? Because Kaiser is harder to reach by bicycle….