Opting Out?
When your employer offers you health care insurance, one of your options is to simply not sign up. Millions of Americans have made that choice, even as the Affordable Care Act has been fully implemented. Why?
In 1988, the average individual health...
Tilting at Windmills
![By Gustave Dore [Public domain], via Wikimedia Commons](https://ehop-production.s3.amazonaws.com/uploads/article/picture/63043e3f-52a7-4e71-9d3c-55241c2f742b/Don_Quijote_Illustration_by_Gustave_Dore_VII-5467f382_large.jpg)
Waiting for a delayed flight in Chicago's O'Hare Airport, I decided to walk the concourses. Challenging myself to do two things at once, I began to think. And that is when I ran smack dab into a quandary: why are we trying to change the world of health insurance for employers? Not even Don Quixote would be so foolish, would he?
Perhaps the three most powerful lobbying groups in the US are the insurance industry, hospitals, and pharmaceutical companies. Taking on one of these giants, much less all three simultaneously, would seem to fall into the "insane" category. Particularly for a small group of individuals with relatively light pockets and no groundswell of support from the very people they are trying to help. Yet someone has to try to do something to slow the cost curve growth that employers all across the country are facing, don't they?