A Quote by Tom Hodgkinson
Being good to people is the only insurance policy you need.
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Life insurance became popular only when insurance companies stopped emphasizing it as a good investment and sold it instead as a symbolic commitment by fathers to the future well-being of their families.
Coming from a middle-class background of Northern Karnataka, where good education was the only insurance policy, I started reading and writing very early.
On the policy front, I just believe that Barack Obama was misguided. That he somehow sees this country as being in need of a drastic overhaul. What he tried to do actually hurt the country rather than helped it and the best example is Obamacare. It's a good idea to insure people who can't or won't buy insurance but you can't punish the working class to make it happen, which he did. Now everybody's paying higher premiums and more deductibles that's coming out of working people's pockets and that's one of the reasons that his legacy has been refuted.
The basic premise of insurance is the pooling of funds from many to cover the costs of some. There are complicated methods for how to do this, but one fact remains consistent: For insurance to work well, people need to be in and stay in the insurance pool.
Kyoto costs a lot, does nothing to prevent calamity, and pays no compensation in the event of loss. If my insurance broker offered that sort of policy, I would not carry insurance. Instead what my broker offers is a policy that costs a little and pays full compensation in the event of loss. If someone wants to propose that as a policy on global warming, I'm all in favour.
Organisation of social insurance should be treated as one part only of a comprehensive policy of social progress. Social insurance fully developed may provide income security; it is an attack upon Want. But Want is one only of five giants on the road of reconstruction and in some ways the easiest to attack. The others are Disease, Ignorance, Squalor and Idleness.
Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.
We need to level the playing field so that people who buy insurance individually at the same tax rates as those who buy it than get it through work. We need to be able to let people to shop across state lines for better deals with insurance that works for them and their family, not something the government says they have to have.
For people who have health insurance, we can provide health insurance reforms that make the insurance they have more secure. And we can do that mostly by using money that every expert agrees is being wasted and is currently in the existing health care system.
Gingrich first backed the concept in 1993, "I am for people, individuals - exactly like automobile insurance - individuals having health insurance and being required to have health insurance.
It is critical that we pass legislation to dramatically reform our health insurance system, and this reform should include a genuine public option, universal coverage, an end to insurance policy rescissions, and no restrictions against covering people with pre-existing conditions.
I would not outlaw or eliminate private health insurance. But if we do a good enough job, with a robust public option, there really should not be as much of a need for private insurance in the market.
We need to keep in mind the well-established fact that the full effects of monetary policy are felt only after long lags. This means that policy makers cannot wait until they have achieved their objectives to begin adjusting policy.
People would have a health care insurance policy they can call their own. They could choose one that exactly fits their families' needs and their budgets, be able to take that coverage with them from job to job and be able to fire their insurance company if it doesn't treat them well.
Let's not build the policy around the abuse. That's not good policy. That's actually bad policy. Build the policy around the aspiration point. That's what we need to do when we're seeing abuse online.
I have argued that we need livelihood insurance, which would protect people against the risk of seeing their skills and expertise no longer needed. Such insurance could be offered by the private sector.
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