The $100 Secret: Why the Government Banned Real Health Insurance

Dear Reader,

I have always said that the system is rigged against the middle class.

• What you buy today is not health insurance. Real insurance assesses individual risk. A bad driver pays more for car insurance. A smoker pays more for life insurance.

• Your insurance contract entitles you to nothing. You pay the premium, and then you still pay the deductible.

• You pay thousands of dollars a year for a policy that guarantees you absolutely nothing., but the politicians banned them. 

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But nowhere is the rigging more obvious, more brutal, and more expensive than in the American medical system.

Think about how real insurance works.

If you buy car insurance, the actuaries assess your risk. Teenage boys pay more than teenage girls because they crash more cars. 

If you buy home insurance and live on a flood plain, you pay more. 

If you buy life insurance and you smoke, you pay three times as much as a nonsmoker.

Real insurance prices risk. It incentivizes good behavior. If you want cheaper life insurance, you quit smoking.

But what happens when you buy medical insurance?

The math disappears.

The Death of Math

By law, medical insurance cannot take your actual individual health risk into account.

That is what the Affordable Care Act—Obamacare—did. With one stroke of a pen, the government made it illegal to price risk. 

They took the "insurance" out of medical insurance.

It is no longer insurance. It is a wealth transfer scheme.

And here is the part that foreign countries cannot even fathom. Once you sign that massive, expensive contract, it entitles you to absolutely nothing.

You pay the premium. Then you go to the doctor, and you pay again. You pay out of pocket until you hit your "deductible."

Why do they call it a deductible? 

Because the industry uses confusing words to cover up what is really happening. It is extortion.

Your insurance gets you nothing other than the right to pay more.

The Wallet Pickpocket

The whole system is crazy. It is cockamamie. It is so complicated that nobody understands it.

That is not an accident. That is the design.

If you understand one thing, understand this: The American medical system is not set up for patients. It is set up for the industry.

You are not a patient. You are not a human being. You are a wallet. And the industry is just waiting for you to get sick so they can pickpocket you.

We don't need more government intervention. We need exit ramps.

The $100 Solution

What if insurers could offer genuine catastrophic plans? 

No mandatory "wellness checkups" that act as sales funnels for Big Pharma. 

Just pure, individualized risk premiums for major disasters like cancer or a skiing accident.

How much would you pay?

The experts ran the numbers. The answer is a shocking $100 a month.

Now you see why the politicians banned it.

If a $100-a-month catastrophic plan was legal, everyone would flee the current system. The cartel would collapse.

What if we had universal health savings accounts? 

Right now, you can only have one if you are already trapped in a high-deductible insurance plan. 

If they were available to everyone, without the insurance mandate, people would choose them. 

So, the politicians made sure they don't exist.

What if workers could take their $28,000 employer medical benefit as cash salary instead? It would free the labor market.

It would free small businesses.

But the politicians won't allow it.

The Locked Doors

We are not lacking solutions. 

Everyone knows how to fix the absurdly expensive American medical model.

The problem is that the industry has locked all the doors.

The politicians are paid off by the regular industry. The entire system is built to funnel you into the corporatized, employer-provided trap.

They want you dependent. They want you confused. They want you broke.

You desperately need liberation from this system. But the political class is never going to give it to you.

You have to educate yourself. 

You have to look for the alternative paths—like crowdsourced health sharing—that operate outside the cartel.

Stop trusting the government to protect your health. They are too busy protecting the industry's profits.

Kiyosaki Uncensored

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