Group insurance in general is an enormous scam. I personally think that the relatively constant costs for health insurance - both a result of group rates and employer-linked insurance - have led people to do far less for their own health (including over-reliance of doctors).
There are two things most people don’t seem to remember. One, the human body has a very effective immune system. Two, you can take care of yourself.
>> “There are two things most people don’t seem to remember. One, the human body has a very effective immune system. Two, you can take care of yourself.” <<
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Nah! - That personal responsibility stuff just doesn’t fly with the Bread-and-Circus crowd.
If you haven’t read this aleady, you would enjoy it:
http://www.amazon.com/Last-Well-Person-Despite-Health-care/dp/0773527958