Insurance Companies Are the Problem

People are upset about the health care legislation called, by its critics, 'ObamaCare.' They are upset because insurance companies have spent billions of dollars telling them they are upset. Therein is the problem. Monkey hear, monkey speak. Insurance companies treat us like a bunch of dumb monkeys because they think we are a bunch of dumb monkeys.
And most of the time, they're right.
My job as a Heretic is to point out concepts and ideas beyond the traditional and orthodox. With regards to insurance companies, the orthodox positions work well - for insurance companies - but work horribly for everybody else.
Part of this is because insurance companies hire people really good at math and most of us suck at math. Simply put, insurance companies (I'll call them Leeches) make money by bringing in more money in premiums than they pay out in benefits. A lot more money.
We need to over simplify the insurance situation to create a level of understanding, knowing it's actually much more complicated.
Say you spend $100 on car insurance, $300 on health insurance, $50 on life insurance, and $50 on homeowner's insurance a month. That's $500 a month. For a year, $6,000. Here's where the math comes in (probability). The Leeches have figured out the probabilities involved in paying out premiums.
They know that most people, for example, that pay car insurance will not have accidents. If someone does have an accident, the Leeches know how high to push the deductibles so they still make a bundle in profits.
If we took that $6,000, saved it for, as they used to say, a 'rainy day' we would be in much better shape. What about catastrophic cases? My answer is to find out what we did before the Leeches convinced all of us we needed them.
The answer lies in the collective. In rural areas, it's called 'barn raising.' Insurance companies are not the answer. They are the problem. They have spent billion dollars buying legislators and judges so their services are required by law.
The Leeches have destroyed capitalism. They have destroyed the marketplace. They have destroyed supply and demand. Instead, we have extortion perpetuated and perpetrated on us by our government. This extortion is sustained by bribery - i.e. the billions of dollars the Leeches spend on campaign contributions.
Are you upset at ObamaCare? OK, but what is the solution? My guess is whatever solution you will offer has already put in your minds and mouths by the Leeches. They've spent billions of dollars to make it so. It's my job to help you get your own voice, your own thoughts, back where they belong.
You can think for yourself. You can take care of yourself. You don't need an insurance company to put you 'in good hands,' to be 'like a neighbor.' We need each other.