The State of the Insurance Industry

We went back to our old family homestead and took a photo with our Aunt Wilma and Uncle Donald. They still sleep every night in the same bedroom where he was born! This was back when people paid for their own medical services and when medical expenses were affordable to most people.


Having insurance is a lot like gambling.  However, with gambling, you win if you win.  With insurance, you win if you lose!  Or if you lose, you win!

Where else do people purchase a product they hope will never be used?

Now that Obamacare has had several years to percolate through the masses, we have ridiculously high premiums and still millions of folks who are uninsured.  Wasn’t the purpose of the program to eliminate the uninsured?

When the Democrats were in the majority and Obama was the President, we called it “Obamacare”.  Now that Obama is out of office, and the Republicans are financially supporting the program, calling it “Obamacare” just doesn’t seem to fit.  

It’s not right to call it, “The Affordable Care Act” either because the program has made insurance far less affordable and it’s more about profits than about caring for people.  However, for consistency in labeling, we reluctantly refer to it now as “ACA”.

Was the insurance industry made profitable by fear-mongering and lawsuits?  Congress—both under Democratic and Republican control — failed to address the real drivers behind the costs.  As a result, we still have the worst of both worlds and the highest medical insurance premiums in history!   Medical insurance now costs more than food, clothing, and housing combined for many folks!

Average individual health Insurance premiums increased 99% Since 2013, the year before Obamacare, & Family Premiums Increased 140%, according to shopping data, and it continues worsening every year.

Anytime government reduces the amount of money left in our paychecks for disposable income, it’s wrongful interference.  The government should be there to protect us from oppression, not to originate oppression!

Please share your personal experience.  How have you been impacted and what solution do you want to see?

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On our show today, we talk with an insurance expert, Beverly Gossage.  Beverly is the founder and director of HSA Benefits Consulting and is an HSA specialist.  She shares with us her projection on the future of Obamacare.  Many predicted it would collapse by now, but Beverly explains what is happening from an internal perspective.  Anyone with a body will want to know what’s going to happen next.

Click here to listen to this informative podcast, or subscribe on:

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‘Your HMO won’t cover injuries stemming form office politics.’




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