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A new way of insuring people worth looking at


(12/26/2010)

From: Jim Schultz

These are some questions and answers that I have come up with about healthcare. A friend of mine pays about $1,000 a month for healthcare for him and his wife. Their deductible is around $500 a year. What do they get for $12,000 a year? They get to pay salaries and bonuses to executives on Wall Street. Also they pay profits to shareholders that have invested in their insurance company. So they get what is left over for their healthcare after the shareholders on Wall Street take their profits.

Do our politicians have shares in insurance companies? And, if so, could that be a conflict of interest? Policyholders pay in at the bottom and shareholders take out from the top. This is like putting a chicken coop next to a fox den.

If Minnesota would start an insurance cooperative for the people of our state, there would be no shareholders at the top on Wall Street. Only the people that pay into cooperative insurance would be the shareholders. That would keep Wall Street out of our pockets, and cooperative health care could pay dividends to their policyholders. Health insurance companies have never paid dividends to their policyholders, because their shareholders need the money so much more than their policyholders.

Minnesota could be a leader for the rest of the country in this endeavor.