Insurance This weekend as I was relaxing Saturday night with my scotch while staring into the campfire after dinner, I started thinking about insurance. I have automobile insurance, homeowners insurance and medical insurance. Now, some of you might just say, well whoop-di-do MountainMan, most people do, nothing earth shattering about having insurance. Well, lets examine the purpose of insurance and why we pay for it. My automobile insurance is to protect me against the loss of physical possessions I have, my auto and my money. I pay a certain amount of money for that protection. If I get in an automobile accident my insurance company will pay to replace/repair my car and, if the accident is determined to be my fault, it will also pay to replace/repair the car of whomever I hit. Additionally, the insurance will pay any medical costs for anybody harmed in such an incident. The insurance protects me from the loss of my car, and from me having to personally pay for somebody elses loss. My automobile insurance does not pay for maintenance of my vehicle. I cant go get a new transmission or an oil change, and send the bill to my insurance company. My homeowners insurance is to protect me against the loss of physical possessions I have, my house and the contents inside it. I pay a certain amount of money for that protection. If my house were to start on fire, or were somebody to break in and steal my possessions, the insurance company would pay to rebuild my house or replace my possessions. My homeowners insurance does not pay for maintenance. If I need a new furnace or a new roof, I cant send that bill to the insurance company and expect them to pay for it. My medical insurance is only there to prevent me from incurring expenses. If I lose my legs, it wont replace my legs. It may pay for a wheelchair, but my legs are still gone. Now, here is the interesting part, my medical insurance will pay for maintenance. It will pay for me to get my teeth cleaned, or for a routine health exam. If I was diabetic, it would pay for insulin as maintenance. Notice how this is the only insurance I have that covers maintenance? Im sure some of you are now thinking to yourselves, So whats your damn point, MountainMan? My point is that a good campfire coupled with a fine scotch allows one to think outside of the box (just kidding). My automobile insurance is purchased on the open market, so is my homeowners insurance. My medical insurance is purchased through my employer and offers very limited options, all of which include maintenance. Personally, I can afford health maintenance on myself just as I can afford maintenance on my autos and my house. So, why am I forced to pay for medical insurance that is intentionally expensive because it covers maintenance costs when all I need is insurance against catastrophic injury or illness? Just try and find an employer supported medical insurance plan that doesnt cover maintenance. Try and find one that allows you to set a dollar amount that you can personally afford before it kicks in. Be that dollar amount $100, a $1,000, or $10,000, when it comes to employer sponsored medical insurance you cant do it, but with auto or homeowners insurance you can. (If you are financing your auto or home the holder of your loan can make stipulations to protect their interests) Medical insurance has been artificially inflated in cost due to maintenance. Imagine if your auto insurance covered paying for maintenance costs such as oil changes, brakes, batteries, alternators, etc. Were that to happen, I think many of us couldnt afford our auto insurance, just like many cant afford medical insurance.