To me, there is no more devious menace to society then America's health care system and especially in California it is a complete black hole of human care and sanity. Everyone kind of knows how crappy the health care system is but if you have a job or parents that provide you have no idea how asinine it really is.
For instance: Since I consider myself to be a somewhat responsible adult I made it a point to make sure that once my job's health benefits expired that I would get my own coverage. The fact is I never go to the doctor, but I am not up to being paranoid about random acts of catastrophe causing me to be in hellish debt the rest of my otherwise defunct life. So to ease my stress I get health coverage. I figure that at least caps the amount the man can take out of my pocket if the worst should happen.
Of course Anthem Blue Cross has a website that is only partially functional. Annoying. Their paperwork totally makes sense to normal people who don't work for insurance underwriters. Not. Each benefit plan has fair terms and are made to accommodate all types of people in all types of health brackets. Health has nothing to do with health insurance.
So I find a manageable plan with dental that is only $85/ month for basically nothing but emergency insurance and cheesy dental. Ridiculous. Then I get their response in the mail. Basically saying I have to pay a 20% higher premium $102/month because of tobacco use and my arm injury last September. Oh and the plan is way worse then the one I looked at originally everything is more expensive and I have a higher deductible.
So a healthy 27 year old man with NO prior health issues, who is on NO medication gets hosed for over $100/mo. for "peace of mind?" The form doesn't even ask how much you smoke or how long... I could have smoked 1 cigarette in the last 6 months or 6 packs a day for the last 6 months, and I have to pay a higher premium because I USED my health insurance when I hurt my arm! Never have I experienced such a coldness and impersonality.
When I had a job paying for health insurance it was already intolerable and now I say it is not worth $100/month, but do I really have a choice?
Yes.
Bite me health coverage. I will take care of myself. If I fall again and break something I will load up on pain killers and take the next plane to Panama and get it fixed. Cheap vacation. If some clown bag runs me over and puts me in the hospital I will make him pay for it. If he is broke and has no insurance like me I will take it, but then I will file Bankruptcy and I will walk away with only injured credit. Who cares.
I hope you die and rot away health care because you care for nothing more then the health of your bank accounts.
