Fix The System We All Regret Creating

I hate insurance.

We pay a monthly premium, to hopefully receive a reduced cost of "covered" claims/losses that may or may not occur.

Ok, sure; insurance is a gamble where sometimes it's worth it and sometimes it's not. That is the risk of insurance in general.

But that is not what I have a problem with.

Specifically, I hate government-mandated, government-regulated health insurance. This is especially true in it's current abominable state. But it goes so much deeper than that, and the private sector is not solving anything.

One of the problems with our failure of a healthcare system, in its current state of an employer-sponsored model specifically, is the lack of control the patient/employee has over their own insurance benefit level, which is often desired and even necessary given the exorbitant cost of health care and health insurance to compensate.

It is often offered as a one-size-fits-all plan through the employer, instead of as a flat rate/percentage discount of any benefit package. Those who need more care than "average" should have the option to select a different benefit level/premium monthly payment, to have higher limits of payouts for claims and losses, as with other types of insurance, such as car, life, personal liability, fire, and P&C. But for some reason, the health insurance industry is so flooded with government influence and regulation, it has to be different than the rest.

Technically, my family shouldn't have to pay for any of our current healthcare-related expenses. Not only because my injuries were onset by a work-related injury, despite not having proof of it at the time of injury, but also based on current state and federal law, as we have been deemed to be unable to afford health. Since I have found myself unemployed and not receiving any income or compensation, we have has active benefits through Oregon's welfare program, the Oregon Health Plan.

Therefore, the $20,000+ we've paid over the last two years should have been subsidized, either by worker's compensation insurance which all employees pay into, or at the tax-payer expense.

Albeit, I would be much worse-off going through public health insurance, as the choice of claims they approve and deny are atrocious, unfair, subjective, often unwarranted, and often not what is best for the patient.

For my family, but many other American families like ours, the reality of this broken system continues:

We are not even allowed to be seen under our active Medicaid benefits/coverage, because of the private third-party-liability through employer-sponsored insurance, which even further restricts the doctors and providers who are willing/legally able to accept me as a patient/client.

We would be better off not having private health insurance at all, OR not having public health insurance at all, than our current situation of having both.

Wait, let me get this straight. . .

In an attempt to reduce the burden on tax-payers, trying to allow for the potential to be seen by a larger set of providers, being dual-insured by private and public liability insurers has made this mess contain so much more hassle, waste and countless unnecessary delays and denials. . . ?

How is this the best healthcare system/solution we can come up with, America?

Overinflated prices due to infinite demand and government regulation, a lack of price transparency, employer-sponsored care that while providing some access to care, often restricting access to care with most providers, and a public system that "covers" you, despite not covering claims, not approving medically necessary treatment, that also restricts access to providers, that mandates everyone pay, even if they will receive no benefit, into a broken system, based on a promise that is rarely fulfilled.

Therefore, we are left with two options, both of which are inhumane, unfair, unjust, and undesirable. Either:

- Quit working and live purely off government welfare benefits, which are never enough to sustain or protect you,

OR

- Work and fund the broken system, while getting little to no benefit from it, earning too little to sustain yourself.

Both of these options leave Americans left with a life which is unaffordable, and unsustainable.

The option of working AND funding a system that benefits you is off the table.

Also, the option of not working and the system fully sustaining you is also off the table. Both of which are more desirable than the egregious failure of a system we have now that punishes those working hard, fails to help and support those who genuinely need the help, and fails to deliver on promise after promise to improve things for everyone.

Well done, America. Well done.

Talk to one-another. Figure out how we can fix this. We all want a better outcome than what we have now. It doesn't matter if someone is different that you, because ultimately, we all want the same things.

We all want opportunity. We all want good health. We all want life to be affordable. We all want to know and feel, that someone/something is willing and able to help us when we need it. We all want better.

So get involved. Get informed. Get educated. Get to researching and brainstorming solutions. We have the entire expanse of all human knowledge by having access to the internet.

We need to make our voices heard to those who have the power and authority to make things happen. Then, maybe something will happen.