One definition of insurance is: A thing providing protection against a possible eventuality.

The verbiage “possible eventuality” had me befuddled since it seemed as confusing as “could happen but, will happen”.

My definition of insurance is something you have while anticipating the unanticipated.

There are insurance policies available for just about everything. Tom Jones’ chest hair is insured for 7 million dollars, and if you go to Thailand you can purchase Thailand Riot Insurance…$10,000 max per tourist. Apparently, being trampled in a Southeast Asian country is not as catastrophic as an aging sex symbol developing Alopecia.

Homeowners Insurance is something that most people grumble about paying into, and never getting anything back. From someone that had their house burn down (2001), I can tell you, that unlike life insurance, you can not only recover, but benefit from having paid for insurance.

Look at it like this, regarding “things” not people, there will be two outcomes for everyone that pays Homeowners Insurance: 1. They never must suffer the traumatic experience and they still have all the heirlooms and memories they treasure, or 2. They lose the things of the past and replace them with all new items. There are upsides for everyone depending on how you look at it. (I’d like to put a plug in for Prudential…they were terrific).

Your home insurance is based on the value of your home and its contents. The more expensive the home, the more the policy will cost based on ability to pay.  The more expensive the home, the higher the income. The percentage of insurance to income is no doubt very close regardless of income bracket. Another thing in common…the homes are just as valuable to each person, no matter a castle or a cottage.

Health insurance is like homeowner’s insurance, in that everyone values their health and the condition of their body, since it is the only home they have for their spirit. This does not mean that one person’s body has greater value than another person’s. The only difference is income and ability to pay.

Why not develop a program where everyone pays the same percentage of their income into Medicare?  Unlike today’s system there will be no loopholes, tax breaks or extra deductions. Everyone pays the same percentage, cut and dry. Everyone gets whatever coverage they need for the unanticipated.

The argument that GOP supporters of the Trump Care bill give is that people can CHOOSE to buy insurance and are not forced to buy insurance they don’t need. They propose that the people that need insurance the most, should be the ones to pay for it.  (Now that’s a Christian concept if ever I heard one!)

Spoiler alert…it’s tough to sign up for insurance in the emergency room.

For those that have little or no income, they would be able to pull from the pool for coverage…we could call it Medicaid.

I know, I know the Healthcare issue isn’t quite that simple, but I also know it doesn’t need to be as complicated as it’s seems to have gotten.

And, for my friends living around Area 51, there is an insurance for you.

Alien abduction, impregnation and consumption: $1.5 million
There are over 20,000 people in the US alone who pay a premium for insurance against alien abduction. Hopefully the impregnated are not planning to use Planned Parenthood. The consumption coverage…well, that’s a tough one to prove.