Carol: One of the problems with health insurance is that it does not have many characteristics of a "real" insurance product, in which the cost of real future risk is spread out by mutiple subscribers. It is, instead, more like a reimbursement structure for health care services, which we have all bought into. Yes, it stinks.

Why is it structured in this way?


Even the socialistic idea of universal healthcare sounds good on the surface but look at Canada....I read a story a few weeks back about people having to stand in long lines and waiting weeks and weeks to see a doctor and to have tests done.

Mr. Hubby, my husband is Canadian. He's been in the US for about six years. I asked him if he experienced any significant difference between his access to medical care in Canada, and what he has access to here in the US with Blue Cross, Blue Shield. He said his access under both systems has been about the same.