[Rhodes22-list] Coastal Living - Insurance

[Herb Parsons]

My "who gets to vote" plan is a bit more radical. It probably would have 
been handily accepted during our "found fathers'" days, and probably 
before the "New Deal" days, but I'm sure it wouldn't get accepted today; 
which, I think, is an indicator that we're pretty far down the road that 
Tyler warned about.

It's pretty simple. If you make more than 50% of your total income 
directly off a government entity, you are disenfranchised because you 
have a conflict of interest.

On the insurance stuff - I didn't think that there were many, if any, 
cases of insurance companies trying to skip town on paying their benefits.

Brad Haslett wrote:
> Herb,
>
> The Supreme Court ruled last Wednesday that they won't hear the two biggest
> flood cases in NOLA, one involving Xavier University over flood v wind
> damage.  New Orleans flooded, period.  If you bought flood insurance (only
> the federal government sells it) you're covered.  If you didn't you're, uh,
> pretty silly considering your elevation. Mississippi gets a little trickier
> because if you have nothing but a slab you probably are a victim of the
> storm surge - if your house is still on the foundation, perhaps not.
> Florida circa 2004 (four hurricanes) is pretty straight forward - wind. No
> insurance company to my knowledge has "slipped town" in the middle of the
> night and refused their obligations.  Many of the big ones, however, have
> re-assessed their exposure and either raised their rates or refused to write
> new policies.  Where states have imposed rate increase limits (Florida) they
> simply balked and pulled-out. My boat insurance is about half what it would
> be if it were based on a coast.  If we make this a "we're all in this
> together" issue, I'll be subsidizing those in a higher risk category.  How
> much more simple can this be?  Some day when I'm rich and famous and live on
> a coast, I promise to accept it was a voluntary choice and not ask my less
> fortunate brethren inland to help defray the costs of my lifestyle choice.
>
> The health care insurance is a bit more difficult but not that difficult.
> If you take a bit of my plan (no kid ever died of a runny nose), and parts
> of Roberts plan (public immunization and preventative care), and part of
> Kennedy's (jeeze, did I just say that?) health savings plan and tax rebates,
> you get a workable solution.  On the other hand, if we insist on following
> the "we're all God's children and DESERVE equal coverage" we're headed for
> disaster.  I think the right to vote should be based on everyone being
> forced to run three hot dog stands for a month and having to hire two
> employees.  If you think finding good help is difficult now, wait until
> health care is "free".  Employers who provide health care insurance do so
> because it makes  economic sense to attract good employees and keep them
> healthy.  Take away that incentive for both employers and employees you get
> one step closer to Cuba.
>
> Brad
>
>   

-- 
Herb Parsons
S/V O'Jure - O'Day 25
S/V Reve de Pappa - Coronado 35