Thursday, September 26, 2019

Single payer now!

My one personal example illustrates why the U.S. needs single payer health care... I pay over six thousand dollars in health insurance premiums per year for the 'privilege' of shelling out an infinite amount of deductible cost for medical care (which is promised to increase next year). Until my medical needs exceed my 'out-of-pocket' expenses, my insurer (Blue Cross Blue Shield) makes a profit of >6K per year just to keep my name on their 'covered' list. I have a medical issue that I really should investigate, but the prospect of paying out of pocket for doctors visits and diagnostic scans has me putting off care. I will say it again, if I could enroll in a single payer health plan for the current cost of my premium (or even with a significant increase), I would sign up in a new-york-minute. American health insurance is a scam where the insurance providers charge a high 'premium' that is immediately entered into the profit line of their accounting books at the expense of the health and well-being of their victims. This can be fixed.



Tuesday, September 10, 2019

Legal equivalents

campaign spending : free speech : corporate personhood (Burwell v. Hobby Lobby) :: 
free speech advocacy of gun ownership : NRA : terrorist organization


Tuesday, September 3, 2019

A form of Reparations?

There's been more talk of Reparations since Ta-Nehisi Coates' The Case for Reparations was published. In it, he talks about how redlining was used as a tool to essentially steal wealth from black communities. I wondered if there is a way to help reverse the effects of redlining in these communities... currently home mortgages are tied to the original lender; the mortgage taker cannot transfer a mortgage to another home buyer nor can someone who inherits a house continue to honor the terms of the mortgage to pay off the remaining debt. Lending institutions, on the other hand, can trade mortgages left, right, inside-out and upside down. *So* creating a mortgage that can be transferred to the heirs of a home owner would be a way to increase the intergenerational transfer of wealth and make it easier to build wealth over generations. Not reparations but a way to build value over generations.