The essential idea behind the establishment of an insurance industry was not to maximize the profits of a few corporate giants, but to create a social good for all of us – specifically to spread the costs of medical care across our whole society. If everyone pays into the system, no one has to be crushed by the cost of care when they fall sick. The notion is that we're all in this together.
But a pernicious ethic of greed has erupted within America's corporatized system, putting an unbearable cost burden on some of us who are already burdened with the worst illnesses. Drug manufacturers have been given monopolies over medicines to treat such deadly diseases as cancers and multiple sclerosis, even though these drugs were developed with government funding. In turn, the monopolists are charging exorbitant prices for these life-saving drugs.
Enter the insurance profiteers, which have now created a special "Tier Four" pricing system that forces very ill people into co-payments that can cost them more than a thousand dollars for a month's worth of crucial pills. The price can be more than folks pay for their mortgages or even more than their monthly incomes. Pay up… or do without. Which is to say: die.
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