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

Why life cycle health insurance?


In the recent years, health care has been a hot political issue. Much more than many other contentious political issues, health care is very intimate for all of us, as earlier or later we all will need some medical assistance, and we want to get the best at affordable cost.

It is banal to say that the current system of health care in the U.S.A does not work. Americans cannot agree why it does not work; they disagree on how to fix it as well. For some, health care is just a service that we buy similarly as food or housing. For others, it is an inalienable right that society should provide unconditionally to everyone, similarly as education.

Even if people can agree on this very divisive issue, they face the next step – what is the most efficient way to provide health care? Some believe that all Americans can have fair access to medical services only if government manages the key components of health care sysytem. Others, quite opposite, believe that we all can have better access to essential for us medical services when they are provided by the private sector, with very limited regulatory only role of the government.

Every of these arguments have some valid points. However, a sharp-eyed  observant of debates about health care can easily notice that too often opinions are based on ideological preferences, on preconceived notions of the debaters, not on the calm analysis of facts.

To make things even more entangled, most of Republicans strongly oppose to “The Patient Protection and Affordable Care Act”, often known as “ObamaCare”, but among themselves they cannot agree on a viable alternative.

Confused and frustrated with all the political canvassing, I decided to study the issue from the beginning and to form my opinion on facts that I can find, and verify. This website documents my search for the truth about health care. Please follow my steps, verify my facts and logic. I concluded that we need life cycle risk insurance. Please verify my deductions, please add yours.

Thank you,

Henryk A. Kowalczyk


Medicare Advantage is a scam

in Blog

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