The terms health insurance and medical care are often used interchangeably. They are, however, quite different concepts, and once understood, who benefits or loses becomes apparent. For decades, Americans have been fed a lie that health insurance ensures receiving medical care. The truth is that there are many obstacles in our way when that care is needed. With the passage of the Affordable Care Act (ObamaCare), the old lie was advanced, not just in name but in deed. Under active debate is its repeal, hybridization or replacement. But are these just false choices? Insurance is a product sold based on risk. While it can protect me from myself, it can also serve to protect me from you or you from me. So, what is health insurance protecting? If, as the name implies. it insured health, then it would be selling preventative services for injury or illness. The problem is that injury is often unanticipated and there are few ways to prevent illness. The old adage that you don’t...(Read Full Article)