Yesterday, the Washington Post had this article about health insurance. In the article they raise the question if you haven’t used your health insurance how do you know you like it. As part of this question, the idea is raised that until you really need to use your homeowner’s insurance, you don’t know if you like it. Based on the idea that until you need it, you don’t realize how much they will rip you off by denying you the actual cost of replacing items in your claim. It got me thinking of how many homeowners may not have homeowner’s insurance, how many renters do not have renter’s insurance. On top of that we are required to have auto insurance.
So, going on the idea that we won’t know if we like our health insurance until we really need it, thus we need government intervention to save ourselves from our own stupidity. Then, why doesn’t the government require all of us to have either homeowner’s or renter’s insurance. In order that we have the right plan, then we need to have a government plan to compete with the private companies. Seriously, the costs of repairing or replacing your home after a natural disaster is similar to many of the costs that they quote with health insurance. Same goes for auto insurance. We won’t know if we like it until we actually have to use it. So, since the government knows best, then they need to get into the auto insurance racket as well. Do we want to suggest that they start to provide life insurance for everyone as well? It is a benefit that many employers offer with health insurance benefits? So, if they are going to offer health insurance, then our tax dollars should go for life insurance as well.
Let’s get real. Why should we allow the government to use our money to decide what is best for us? They do not know what we want or would use in regards to homeowner’s insurance or health insurance. But, if we begin to allow them to control us in regards to health insurance, in all seriousness where is it going to end?