Tag Archives: critical illness insurance

Washington Post features Americans opting out of Obamacare

Sean Parnell of the Self-Pay Patient blog writes:

Nearly two and a half months ago, I posted here that a reporter had contacted me and waslooking for people to interview who had chosen to opt out of Obamacare. Several dozen of you responded, and I was able to pass along your information for her to include in her article.

The article finally ran last week in the Washington Post  (her editor had bumped it until after the end of Obamacare’s open-enrollment period, hence why it’s only now coming out), and I’m pleased to say I think the reporter did a good and fair job explaining what some Americans are doing.

More: Washington Post features Americans opting out of Obamacare.

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Filed under insurance, tax code, HSAs

It’s Not Health Care ‘Reform’; It’s Exploitation

Pajamas Media has published my article on health care exploitation. It begins:

Scratch a health care “reformer” and you’re likely to find a health care exploiter. As ObamaCare’s provisions and taxes begin and resistance builds through lawsuits and state-level measures, it’s important to see the exploitative motives driving increased political control of your medical care. Health control advocates won’t stop with ObamaCare (HR 3590). “Once we kick through this door, there’ll be more legislation to follow,” said House Speaker Nancy Pelosi.

Whether health control supporters demand that all policies include certain benefits or that everyone must buy government-approved insurance or something like “Medicare for all,” the policies don’t follow from the alleged justifications for them. But they do follow from one motive: charity at gunpoint. That is, forcing you to finance other people’s medical care. This is exploitation.  It’s about time freedom advocates reclaim this term often misused by the left, as so-called health care “reform” is a clear case of exploitation.

Read the whole article: It’s Not Health Care ‘Reform’; It’s Exploitation.

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Filed under myths & fallacies, Policy - National

Critical illness insurance for autism: only in Canada?

In a previous post about Colorado SB 244′s mandated autism benefits, I asked why insurance companies could not offer a product that insured parents against the costs of autism treatments should their child be autistic.  It could be a separate product from their medical insurance.  When I mentioned a similar product to Linda Gorman, she pointed out that it resembled what is called “critical illness insurance,” which I’d never heard of.  Desjardins Financial Security of Canada (!) offers what they call “Harmony New Generation“:

Harmony New Generation will pay a lump sum amount to the parent of a child who has just been diagnosed with one of the critical illnesses covered under the contract … they have the option of using it as replacement income while they take care of their child, hire someone to mind their other children or take care of their home, make a dream come true for their sick child, or even pay for a trip abroad.

In addition to the 25 illnesses covered by the Harmony critical illness insurance for adults, which includes cancer, and the coverage for the serious complications caused by four infectious diseases, including West Nile virus, Lyme disease, E. coli infection and flesh-eating disease, the new product covers three childhood diseases: cystic fibrosis, autism and Rett syndrome. Coverage for type 1 diabetes (diabetes mellitus), cerebral palsy and muscular dystrophy is optional.

Industrial Alliance Insurance & Financial Services also offers a similar product.  But guess what, it’s also Canadian?  Is such a product available in the U.S.?  Do add a comment if you know of any.

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Filed under regulation