When the people find that they can vote themselves money, that will herald the end of the republic.

They that can give up essential liberty to obtain a little temporary safety deserve neither safety nor liberty.

Where liberty dwells, there is my country.

God grant that not only the love of liberty but a thorough knowledge of the rights of man may pervade all the nations of the earth, so that a philosopher may set his foot anywhere on its surface and say: This is my country.

Early to bed and early to rise makes a man healthy, wealthy, and wise.

He that lieth down with dogs shall rise up with fleas.

If you would not be forgotten
As soon as you are dead and rotten,
Either write things worthy reading,
Or do things worth the writing.

Never confuse motion with action.

This will be the best security for maintaining our liberties. A nation of well-informed men who have been taught to know and prize the rights which God has given them cannot be enslaved. It is in the religion of ignorance that tyranny begins.

Any fool can criticize, condemn and complain and most fools do.

Whatever is begun in anger ends in shame.

To find out a girl’s faults, praise her to her girl friends.

Freedom is not a gift bestowed upon us by other men, but a right that belongs to us by the laws of God and nature.

Only a virtuous people are capable of freedom. As nations become more corrupt and vicious, they have more need of masters.

Rebellion to tyrants is obedience to God.

The Constitution only gives people the right to pursue happiness. You have to catch it yourself.

He’s a fool who cannot conceal his wisdom.

What is the use of a new-born child? (When asked the use of a new invention)

...a frequent recurrence to fundamental principles...is absolutely necessary to preserve the blessings of liberty and keep a government free.

There is no kind of dishonesty into which otherwise good people mroe easily and more frequently fall than that of defrauding the government.

            Once again, “our” national legislature is throwing around named programs like “single payor” which sounds good, but turns out to be putting the DMV in charge of healthcare.  Each suggested healthcare plan focuses on who makes the decision as to health care.  What everyone wants, and no one suggests, is that the DOCTOR should make this decision, not a insurance company adjuster and certainly not a program like the DMV single payor.

            But all is not lost.  The simple solution is what I would call a single payor system.  Essentially, make insurance companies actually insure the risks that policies are purchased to protect against.  Simply put, if citizen A requires healthcare, than insurance company A pays for that care.  No objections, no finger pointing, insurance company A simply pay the bills.  Removing the in-fighting between the insurance companies will so substantially reduce the costs of the system that the money can actually go towards medical care.

            An example of an ordinary insurance claim demonstrates my point.  Suppose a tree falls on citizen B’s car while parked in citizen B’s driveway.  Citizen B is supposedly well protected, carrying both homeowner’s insurance and automobile insurance.  However, when B puts in an auto claim, he will be told that the accident did not arise out of the use of the car, so it is a claim against the homeowners.  However, the homeowners policy will claim there is no coverage as it is principally an auto claim.  Citizen B’s responsible decision to have multiple layers of insurance has now shot him in the foot.  He has paid two companies to insure, but neither will and citizen B’s car remains in the driveway unfixed while the two insurance companies sue each other over who is to cover the accident. 

Now, put citizen B in the car, suffering personal injury from the tree.  Citizen B’s health insurance will not cover as it is an auto case, the auto won’t insure because it is a homeowner’s claim.  Now 3 layers of insurance and yet, no coverage while three companies duke it out all paying top litigation attorneys to decide who pays. 

Now add that citizen B was on his way to work .  Now workers compensation insurance may cover, health insurance may cover, homeowners may cover or auto, BUT no one will be paying while these companies battle out this now huge and unmanageable matter through the courts, coordinating 4 companies and their lawyers.  Meanwhile hospital remains unpaid and debt collectors are calling the injured citizen B (who has FOUR layers of insurance against this risk).

All of the waste of the insurance in-fighting can be removed by a simple, citizen B got medical treatment, Company B pays, no matter what.  If you are in a car accident, your insurance fixes your car, no recourse against the other driver or their insurance just straight insure against loss.  Premiums equal total payouts for the year divided by the number of insureds (plus say 2% for profit). 

If this was the case, there would be no need for the entire claims handling process for these companies. The only bureaucracy would be to handle the paying of bills.  A true SINGLE PAYOR…Solved!