Posted in Things that make you say "hmm...", Things that piss me off

A not exciting but still important post

This post is going to be about something that’s not very exciting, but it’s very important.  It’s something that most of us have, yet most don’t really think about.  Until we need it.  It’s called insurance.

There are countless different kinds of insurance you can have:  auto, home, renters, life, pet, insurance for priceless pieces of jewelry or art (sometimes covered under homeowner’s, but often offered individually), even individual insurance options for body parts.  You name it, you can probably get insurance for it.  With all the different kinds of insurance available out there for just about anything, why is it so many people balk at having health insurance?  Especially our not-so-wonderful “president” and his moronic posse called the GOP.

All but two states require you have auto insurance—New Hampshire and Virginia.  And although it’s not mandatory, you’re still responsible if you cause an accident.  And you’re stupid if you don’t have it.  Not only for yourself but for others.

For most people who have a mortgage on their home or rent an apartment, it’s usually a requirement to have some kind of homeowner’s or renter’s insurance.  It’s stupid if you don’t because insurance is there to protect you.  Even as a liability.  If someone visited your home, fell down your icy stairs and broke their leg or worse, was killed, that’s a liability on you.  If you’re not protected by insurance, good luck.

Life insurance is probably the most overlooked, yet valuable, even affordable, type of insurance.  No, it’s not meant for you directly, but for your family to use indirectly for you in your passing.  Would you expect your family to go into bankruptcy because they couldn’t afford to bury you?  Do you think everything can be paid for with a GoFundMe page?  Please.  That’s relying on others who may or may not come through for you.  Life insurance is a definite.  Just don’t default on your premiums.  Which you shouldn’t with any kind of insurance.  That would just be stupid.

And now, let’s discuss the dreaded health insurance.  Believe it or not, it is actually easier to get health insurance than it is to get life insurance.  With life insurance, you can be turned down because of a pre-existing condition.  But guess what?  With health insurance under the Affordable Care Act, health insurers can no longer charge you more or deny you or your child coverage because of a pre-existing health condition.  They cannot limit benefits for that condition either.  Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.

But our not-so-wonderful “president” and his moronic posse called the GOP want to change that.  First they just wanted to have it so insurers could deny you if you have a pre-existing condition.  Now they just want EVERYONE to NOT EVEN HAVE HEALTH INSURANCE!  ISN’T THAT WONDERFUL????  There are 30 million Americans who risk losing their health insurance benefits if these assholes get their way.  The lucky ones will be left with paying way more than they are now for much less coverage.

Before you say “but I don’t have a pre-existing condition”, ask yourself if you are human.  If you ARE human, which I assume anyone reading this would be, then, guess what?  You DO have a pre-existing condition.  You may not have arthritis now, but chances are you will.  You may not have any one of countless kinds of cancers, diseases, ailments, mystery illnesses, but there’s a very strong chance you will.  If you are female and are planning on having children, there’s a very good chance you’ll have a pre-existing condition called “pregnancy”.  If you have children, you should KNOW there’s going to be some kind of pre-existing condition/need for medical care somewhere along the line.  I could go on and on.

Before you say “but I don’t want to have to pay for health insurance”, ask yourself why not?  You pay for auto insurance, don’t you?  Possibly homeowners or renter’s? Maybe even pet insurance?  You don’t squawk at paying for any of that, do you?  And you’re probably paying a hell of a lot more for the pet insurance than you would be for health insurance.  If you’re not paying for any kind of insurance, you either need to stop ripping someone off or get a life.  Or both.

The fact that these assholes are even CONSIDERING doing this to Americans should tell EVERY AMERICAN exactly what these assholes think of you.  THEY DON’T CARE ABOUT YOU.  They really don’t.  They didn’t two years ago when they tried to take our insurance away and they still don’t.  It’s sickening to know this is what they think of us.  Our own government dislikes its own citizens so much they want to kill them.  Because taking away health insurance for millions will exactly cause that to happen.

Author:

I'm a writer. I'm also a wife and a parent who works too much and lives too little. In addition to writing I also love to read, listen to music, travel, cook, I enjoy looking for bargains at flea markets or thrift stores, Christmas, football and of course writing! How did I come up with the title of my blog? Two things: 1. I live in New England (duh) and 2. Canadian singer Alan Frew once arrogantly told me to "get a New England life"--again--DUH! I already HAVE one!