Years ago, I made a mistake that landed me in the hospital after an emergency rescue crew plucked me out of a a rural town in Nebraska. Because I was unemployed, the government stepped in to pay the roughly $50,000 my care cost. If I had been employed at the time and inelegable for that government assistance... I would have been bankrupt. I was
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I say this because that would be much cheaper and still prevent the situation you were in.
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Now, granted, a law to encourage or require catastrophic coverage isn't on the table, so it's not one of the options you can call your Senator and ask them to vote for. But it's worth remembering how narrow is the debate going on in Washington right now.
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If only we had taken care of this 70 years ago, when most other nations were, we wouldn't be in this situation. And we need to raise the top tax bracket (ie those making more than $250k after taxes) back to above 50%. I'd be in favor of 90%. If you made $100m, you'd still get $10m. And who, really, needs more than $10m a year?
If not, prepare for pitchforks and torches...
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