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Showing posts from January, 2016

Insuring the health of Flint, Michigan

I sell life and health insurance throughout the state of Michigan. I have to say, though, that there's something about talking to people from Flint about health insurance that feels a little eerie.

Flint, of course, is the Michigan city that has been making headlines around the world was its ongoing crisis with lead and other contaminants in their drinking water. Time magazine, The Washington Post, and The Guardian account for a mere handful of the estimated 21 million articles, reports, and blog posts on the subject.

When talking with Flint residents, their concerns about what is covered, the affordability of their deductible as well as what doctors and hospitals take each plan seem much more pressing than with clients from anywhere else in Michigan. The reality of their situation is almost overwhelming at times.

This blog will return in earnest on Monday, February 1. My schedule will return to normal, of course, after open enrollment season.

Tax-deductible trip to California

My doctor diagnosed me with a Vitamin D deficiency earlier this afternoon. Since humans get most of our Vitamin D from sunlight and there's very little of it around Michigan where I live, I can only conclude that a trip to California to hang out with my West Coast friends is now tax-deductible as a medical expense.

It simply makes sense. I'm certain everyone at the Internal Revenue Service will agree with me on this point.

This blog will return in earnest on Monday, February 1 once my schedule calms down.

An incentive to earn less

At work today, I got a phone call from a prospective client. The key details uncovered during this call were that a) they made $92/month too much to qualify for Medicaid and b) the cheapest plan that was available to them was $281/month after the federal subsidy with a $3,500 deductible.

In other words, if their monthly income dropped by $92 then they would have a net gain of $189/month by virtue of qualifying for Medicaid instead of having to buy private insurance and they would save themselves $3,500 in out of pocket medical expenses.

Maybe I'm crazy, but incentivizing people to earn less money at their jobs is rarely a good idea.

Anyway, this blog will return in earnest on Monday, February 1 once my schedule calms down.

What I really want to say

I work at an insurance agency, specializing in life and health insurance. It never ceases to amaze me how many people call my office, thinking that we're the Federal Marketplace.

There is a part of me that wants to say something like, "No, we actually answer our phones here and have a general idea what we're doing."

But such a comment would not be well-received by my corporate overlords.

This blog will return in earnest on Monday, February 1 after open enrollment ends and my schedule returns to normal.