Providing Health Insurance

As a previous insurance salesman, now a self-employed technician in Santa Barbara, I actively turn down all medical insurance coverage.

Very little of the premium dollar goes to actual care. Insurance companies lobby for whatever laws would require all people to be on their books. They also have high-commission people working in high-rent buildings, while fraudulent claims go unchecked. Doctors are the least to blame. Hospitals charge $3 for aspirin and must show a bottom-line profit. Exposing such practices as cost-shifting, whereby whoever can be billed will be, also adds to consumer anger. And we won’t even mention lawyers. This consumer says no.

KEN KOBYLENSKI, Santa Barbara