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Should We Make Health Insurance More Like Car Insurance?

The health insurance issue is going to come front and center in the next few days, once everyone stops twittering about Iran and notices that the...


The health insurance issue is going to come front and center in the next few days, once everyone stops twittering about Iran and notices that the Senate is really hunkering down to attempt to overhaul how health insurance works in this country. One of the main issues is the cost of providing health care, which is enormous, and will cost the government trillions of dollars they don't have if they decide they are going to provide us all with health care.Facing that predicament, lots of people are talking about how to reduce our health care costs. A great one was written about yesterday in the Wall Street Journal (via Kottke). At Safeway, using an innovative new system that correlates employee behavior with insurance premiums, they have kept their costs flat over the last four years, despite the national average for companies increasing by 38 percent.How does it work? Simple. Be healthy. Pay less. Like car insurance, the amount you pay goes up if you do bad things. Get a speeding ticket, your car insurance goes up. Start smoking, your Safeway health insurance costs go up. This is because Safeway realized that nearly all their health care costs were from a small group of diseases (cardiovascular disease, cancer, diabetes and obesity), and that, in large part, these diseases can be easily mitigated or even prevented by simple changes in lifestyle.So, all Safeway employees are tested annually for tobacco usage, healthy weight, blood pressure, and cholesterol levels. The healthier you are, the less you pay, and your health is the sole determinant in your premium costs. This is in stark contrast to how most health insurance works, where everyone pays the same amount, and if you are a fat smoker with bad cholesterol and go to the hospital 20 times a year, the healthy non-smoker who gets into a freak accident and has to go to the hospital for the first time in 10 years has to subsidize the costs of all your visits.This is also a perfect free-market approach to getting all of America healthier. Fitting into a bathing suit might be motivation for some, but getting more money in your wallet while shedding pounds would probably motivate a lot more people.What do you think? Would you sign up for health insurance that got cheaper as you got healthier?
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via Gage Skidmore / Flickr

If you are totally ready to move on from Donald Trump, you're not alone. According to a report last April from the Wason Center National Survey of 2020 Voters, "President Trump will be the least popular president to run for reelection in the history of polling."

Yes, you read that right, "history of polling."

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Politics
via Around the NFL / Twitter

After three years on the sidelines, Colin Kapernick will be working out for multiple NFL teams on Saturday, November 16 at the Atlanta Falcons facility.

The former 49er quarterback who inflamed the culture wars by peacefully protesting against social injustice during the national anthem made the announcement on Twitter Tuesday.

Kaepernick is scheduled for a 15-minute on-field workout and an interview that will be recorded and sent to all 32 teams. The Miami Dolphins, Dallas Cowboys, and Detroit Lions are expected to have representatives in attendance.

RELATED: Joe Namath Says Colin Kaepernick And Eric Reid Should Be Playing In The NFL

"We like our quarterback situation right now," Miami head coach, Brian Flores said. "We're going to do our due diligence."

NFL Insider Steve Wyche believes that the workout is the NFL's response to multiple teams inquiring about the 32-year-old quarterback. A league-wide workout would help to mitigate any potential political backlash that any one team may face for making an overture to the controversial figure.

Kapernick is an unrestricted free agent (UFA) so any team could have reached out to him. But it's believed that the interested teams are considering him for next season.

RELATED: Video of an Oakland train employee saving a man's life is so insane, it looks like CGI

Earlier this year, Kaepernick and Carolina Panthers safety Eric Reid reached a financial settlement with the league in a joint collusion complaint. The players alleged that the league conspired to keep them out after they began kneeling during the national anthem in 2016.

Before the 2019 season, Kaepernick posted a video of himself working out on twitter to show he was in great physical condition and ready to play.

Kaepnick took the 49ers to the Super Bowl in 2012 and the NFC Championship game in 2013.

He has the 23rd-highest career passer rating in NFL history, the second-best interception rate, and the ninth-most rushing yards per game of any quarterback ever. In 2016, his career to a sharp dive and he won only of 11 games as a starter.

Culture

In the category of "claims to fame nobody wants," the United States can now add "exporter of white supremacist ideology" to its repertoire. Super.

Russell Travers, acting director of the National Counterterrorism Center, made this claim in a briefing at The Washington Institute in Washington, D.C. "For almost two decades, the United States has pointed abroad at countries who are exporters of extreme Islamist ideology," Travers said. "We are now being seen as the exporter of white supremacist ideology. That's a reality with which we are going to have to deal."

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Between Alexa, Siri, and Google, artificial intelligence is quickly changing us and the way we live. We no longer have to get up to turn on the lights or set the thermostat, we can find the fastest route to work with a click, and, most importantly, tag our friends in pictures. But interacting with the world isn't the only thing AI is making easier – now we can use it save the world, too.

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