Posts Tagged ‘insurance’
it’s all so pedestrian »
Tuesday, October 6th, 2009
As some of you may know, I’ve been involuntarily demoted to the status of a “walker” or “commuter.” Whatever you want to call me, I’m now beholden to borrowed cars, Metro Transit, bicycling or an Enterprise pick-up.
What the hell am I talking about? Right. Well, my car was stolen. (I’ll let that sink in…)
For those that know me IRL (as they say), you know I’ve detested my car for almost an entire year. Having it out of my life is far from devastating (read yesterday’s post; it’ll soon be the norm). But it is annoying.
Thursday, on my way to a party at and around 331 club, my car wasn’t where I parked it… or on any of the blocks I usually park. I called the impound, was told to call back and (after a gracious turn-around-and-pick-up) headed to the party (free Naked Grouse, yo!).
I got back about 10.30p and called again (a little buzzed). No luck. I spent almost ten minutes on the phone reporting it stolen and was finally told a patrol car was on the way. Exhausted and having to be up at 7a, I waited impatiently.
About forty-five minutes later, a uniformed gent wandered up the stairs and I explained the situation (this tweet explains it briefly). He gave me a case number and left. I was not optimistic.
Friday, after a painful wake-up, Girlfriend and I went north to AIGA Design Camp. Delightful (maybe more on that later). The first weekend of many out of town (I’m in MSP maybe over Halloween; the rest I’m other locals) is in the bag and now I’m left car-free and bus-reliant.
I’m calling today to adjust my auto-coverage but I’ll likely be able to say: “I switched to car-less and saved a bundle on my car insurance!”
market health care != reality »
Monday, September 14th, 2009
Being the only thing taught in public schools since the Red Scare, most of you probably know of and think highly of a “Free Market.” This blanket assumption has many, many flaws and worse, we’re trying to apply markets where they don’t fit.
Market assumptions are simple. Supply of a good is tracked against the demand for that good and where they intersect is the price. Ignoring for a moment this ignores cost, depletion or waste (as so many do) how does this apply to health care?
A market needs two things: something of value (sometimes tactile) and consumers with choice. Whenever a market is artificially added to a sector without these things, disaster (exploitation, Enron) ensues.
Health care is one of these sectors. Consumers (used generally to label the 98% not able to buy specialist care out of boredom) don’t have choice. They’re sitting across from their doctor and being told their options. If they need an MRI they don’t check the going rate in China or on NewEgg, for instance.
Insurance, medical practitioners, pharmaceuticals and many others are all under the blanket label of Health Care and it’s also something everyone needs. This not only depletes consumers’ choices further but confuses any market assumptions.
Applying a market to a natural monopoly (built, in this case, on high cost, low access and government assistance) never works. When the idea hit the electricity sector manipulation, artificial scarcity, high profits, unreliable supply and scandal were the natural results.
Health care in this country boils down to two things. On one side, you’re for single payer reform and believe health care is a right. On the other, you want to paint a market over a monopoly and see health care as a privilege (though few will admit that).
On whichever side you fall, take a look at Frontline‘s look at six democratic countries with state-backed health care. Ask yourself, why can’t we have a system like Taiwan? Or Switzerland? Or the best parts of both?
In both cases they’re trying to force a market into a sector it doesn’t belong but it’s working for the people, not the companies.
Photo courtesy: SFGate.com