A concept of life-term health insurance is presented here for public scrutiny. Please do not take even one word at face value; examine my facts and logic. Voice your opinion

We need to fix health care. Politicians will not do it.

For decades, politicians could not figure out how to fix our health care system.
Let’s face it; if they could fix it, they would have done it long ago. The Affordable Care Act, commonly known as Obamacare, disappointed. More people got government-sponsored insurance, but the costs went up. Americans do not feel that their access to quality health care has become more affordable.

What might work?
Individuals are interested in health care for the length of their life, not in yearly health insurance contracts. Hence, any workable solution needs to offer lifespan coverage.

What is health insurance?
Do we need insurance for every petty doctor visit, every low-cost medicine, or an inexpensive procedure? It might be cheaper to pay out of pocket. We need insurance to protect us from high medical bills, regardless of their causes.

The preexisting conditions
Under the current system, there is no insurance option to protect a person from a permanent health decline, resulting in the need for lengthy and often expensive care. Except for people on insurance plans with the government or the largest corporations, all other Americans face financial ruin when getting in that situation.

Life-term health insurance
To address the above-mentioned problems, we need health insurance covering us for our whole life. I call it life-term health insurance. The outline is in the links above. In the blog section, my articles give readers some insight into my reasoning behind the life-term health insurance concept.

Do you have a better idea?
If you do, we want to hear about it. We will gladly provide a link to a website presenting your preferred concept if it will be reciprocated by posting a link to our website there.

Henryk A. Kowalczyk