Wasn’t health insurance supposed to insure people, not incite fear and worry?
Economy and Finance
Medical debts outweigh emergency savings for 25 percent of Americans
By L.J. Devon
A scathing new survey from Bankrate.com shows that a majority of Americans are more worried than ever about their healthcare and finances. The poll of 1,006 participants revealed a shocking trend of ballooning medical debts and dwindling personal savings. What’s shocking is that most of this problem is caused by health insurance.
In a way, this survey exposes health insurance plans for what they truly are — medical system insurance. These monthly payment plans empower the medical system, not the individual and their health. Even after the Affordable Care Act was implemented, the trajectory of increasing medical debt hasn’t improved. If anything, the law has made the health insurance racket even more burdensome, mandating an overpriced product on practically all Americans — a product that only insures the medical system.
On top of paying into the health insurance machine monthly, the average consumer can have their personal savings wiped out after paying a simple deductible. According to The Kaiser Family Foundation’s 2014 Employer Health Benefits report, deductibles for health insurance plans are up 47 percent since 2009, averaging at $1,217 for all Americans. More than 18 percent of workers pay over $2,000 out of pocket before the health insurer picks up the tab. 41 percent of workers today have to pay at least $1,000 for a deductible.
Survey shows Americans are burdened by medical debt and lost savings
David Cusano, a senior research fellow at Georgetown University’s Health Policy Institute in Washington, said, “There is research being done on liquidity, or ‘financial fragility,’ where they asked people if they could come up with $2,000 to pay for a major medical bill in the next month. I think 40 percent of respondents said they either couldn’t or it would be very difficult. That suggests that people are financially fragile.”
The Bankrate survey showed that 55 percent of Americans are concerned that their medical costs will soon outweigh their annual income.
Even worse, 44 percent of people making less than $30,000 a year report that their current medical debts are already greater than their yearly income!
To top it off, 25 percent of all Americans now report that medical debts are greater than their emergency savings!
Wasn’t health insurance supposed to insure people, not incite fear and worry?
Health insurance is found outside of the medical system
In most instances, medical debt can be avoided without needing health insurance plans. (It’s health insurance plans that are actually burdening low-income families.)
In America today, learning how to prevent routine doctor’s visits and medical intervention is the key to holding onto your savings, prosperity and dignity. Instead of relying on the doctor and the pharmacy, it’s better to be proactive with your health and start a farmacy in your own home. A farmacy doesn’t include side-effect-ridden drugs; it includes superfoods, powdered roots, whole food supplements, water filters, medicinal herbs, essential oils and more.
By learning how to use natural prevention methods, you learn how to take care of yourself. You grow confident in the face of bacterial and viral outbreaks. You aren’t afraid of cancer appearing mysteriously. You learn how to treat health problems without needing a prescription, some expensive medical test or extra copays.
Health insurance is basically a closed-minded scam, because it only pays for medical system protocol. It will cover things like vaccinations, but it won’t cover other forms of immunization like vitamin D supplementation. Health insurance plans basically validate and reinforce the medical system, not allowing it to evolve into a better system of healthcare.
A few simple changes to health insurance could make healthcare affordable for those burdened by both the medical system and its health insurance enforcement. If the plans assisted people in paying for better nutrition, then those same people wouldn’t be flooding the doctor’s office with annual illness and fear. Perhaps doctors should be prescribing things like liposomal vitamin C or whole food zinc. There would be less ER visits for heart attack and stroke if more people bought foods like hawthorn berry, cayenne pepper and garlic.
By covering nutrition, health insurance plans would systematically lower the cost of healthcare and health insurance by preventing hundreds of thousands of people from needing care.
For now, smart Americans must learn to cover nutrition themselves and avoid the trap of paying for medical system insurance monthly, even if that means defying the Affordable Care Act’s mandate.
Sources for this article include:
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