They WORK. They have jobs. They are productive.

Yet most of them work for small businesses that don’t offer – or can’t afford to provide – health insurance for their employees.

But guess what? Even for those who have health insurance, over the past ten years the average deductible has gone from being a few hundred dollars, to over two thousand dollars today.

So I’d say that most insured Americans are in pretty much the same boat as those who have no health insurance at all. They just don’t know it.

Which means that even if you do have health insurance, the chances are that you don’t have health insurance. At least not the kind you used to have – you know, the “third party” that payed for all your health care.

No, today our health insurance functions as…insurance. Just like your car, homeowner’s, and life insurance policies which you (hopefully) hardly ever use. From now on you won’t be calling on your health insurance to pay for most – if not all – of your health care in any given year.

So it’s time for a change. In our understanding of what exactly health insurance is supposed to do, and its proper role in the way we pay for our health care.

It’s not the COSTS of health care that are outrageous…it’s the CHARGES.