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Last night I had a dinnertime conversation with a lady whose adult son has ankylosing spondylitis.  She had managed to keep him continuously insured, though it wasn't easy.  His insurance (grudgingly) pays for an expensive medicine that will help prevent him from becoming a physical wreck by his late thirties.  The discussion helped me imagine a mind-opening conversation with someone who might complain, "I'm paying a lot in health insurance premiums, and getting almost nothing back."
My reply would start with the title, above.  I'd continue, "If you had a treatable cancer and were on chemotherapy, you'd be getting a great return on your health insurance -- at least in dollar terms.  The same if you had rheumatoid arthritis (or ankylosing spondylitis, a similar disease treated with similar drugs).  The 'payoff' wouldn't be as fast as if you had cancer, but it would go on for years and years.  The same would apply if you develop diabetes."

Health insurance is something you should hope to pay for and not use much.  Hope for many years of preventive medical checkups with thoroughly boring results.  Hope that the money you put into the system pays for treating somebody else's lupus or ulcerative colitis or heart disease.  If you aren't 'getting your money's worth, don't feel gypped.  Feel blessed.  Give thanks that God, the Fates, or whatever gods there be, have taken nothing more from you than some money.  Remember, they've taken other people's health and even their lives before their time.  And as long as we have a requirement to all buy health insurance, give thanks for that, too.  It means you can do your share to subsidize the health care of those whom the Fates have been less kind to, without having to shoulder more than your fair share of the burden.  And gee, maybe some day the government will just insure all of us against disease (like it already insures us against foreign invaders) and tax us fairly to pay for it.

And don't forget, some day your turn will come.  The death rate is one per person.

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