Obamacare rears it's ugly head again.

 

The problem with insurance is that it's been so misleading as it relates to health care.  Insurance is supposed to cover an unexpected or catastrophic event, not provide basic service.  Think of it this way.  Your car insurance covers damages related to an accident (unexpected and possibly catastrophic).  It doesn't cover an oil change, tune up, tire rotation, etc..  Your homeowner's insurance covers a major event such as a fire or maybe wind damage.  It does not cover electrical or plumbing repairs, lawn maintenance, etc..

 

Health insurance is there to cover a health related issue that is unexpected such as injury or unexpected illness.  It should NOT cover a routine office visit for a physical or something like that.  That's what a health savings account is for.

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