07/26/2026
Here's the most unpopular thing I'll say all week.
Health insurance was never supposed to pay for healthcare.
It was supposed to protect you from financial ruin.
Those are two completely different things.
We've convinced an entire generation that someone else should pay for every doctor visit, every prescription, every test, every ache, every sniffle, and every annual physical.
Then we act surprised when premiums explode.
Nothing works that way.
Your homeowners insurance doesn't pay to mow your lawn.
Your auto insurance doesn't buy your tires.
Your business insurance doesn't pay your electric bill.
So why do we expect health insurance to pay for nearly everything?
Because politicians promised they could make healthcare feel free.
They couldn't.
They just hid the bill.
Someone always pays.
Taxpayers.
Employers.
Healthy families.
Or the next generation through more debt.
There is no magic money tree.
Insurance companies didn't suddenly become charities.
Hospitals didn't stop making profits.
Drug companies didn't stop charging high prices.
The money simply gets moved around until nobody knows who's paying anymore.
If you're healthy, why are you buying the same type of coverage designed for someone with expensive chronic medical conditions?
That's like buying commercial truck insurance for a Honda Civic.
It doesn't make sense.
For many healthy people who qualify medically, private market PPO plans take a different approach.
Protect yourself against the big financial disasters.
Pay for routine care in a way that makes sense for your family.
Keep more of your money instead of prepaying for services you may never use.
That isn't the right answer for everyone.
People with significant medical conditions often need a different solution.
But pretending every American needs the exact same health insurance plan is one of the biggest lies ever sold.
The best health insurance isn't the one politicians tell you to buy.
It's the one that actually fits your health, your budget, and your life.
