It is unfortunate that we have come to such a time as this. As of July 1, 2007, Massachusetts is the first and only state to require, by force of law, health insurance of every resident. Not only is it legally mandated but penalties will be visited upon the pockets of those who fail to comply with the law. It is likely that Massachusetts is the state that is piloting this new health care approach and that it will ultimately be coming soon to a medical institution near you.

Ironically, it is the people who are at present trying to live according to principles of physical, mental and moral excellence that will suffer. These are people who are making lifestyle choices that are like deposits in a quality of life bank. Although, it probably has not entered into the thinking of most of us, there are people who are living and have lived their entire lives without a health care crisis. Paying for something they don’t need or may never need is not so much the problem as paying for something that is within their power to prevent.

Neither home owner’s insurance nor automobile insurance can protect you from loss of or damage to your asset. These products simply mimimize or completely cover the cost of expenses to repair or replace it. This is especially helpful in unexpected, undesirable circumstances beyond your control. Loss of or damage to your health may be undesirable but it is not entirely unpredictable or beyond one’s power of control.

Some people, who have insurance policies to cover their tangible assets, invest additional money and even time and effort to increase or maintain the value of these assets long before any unwelcome events. Physical health is one of the most grossly undervalued assets and it receives such investments many times only AFTER loss or cbdward.com . Health insurance seems to stifle the conviction to make any investment beyond a monthly premium.

So what about the people who cherish and protect their health as sacredly as their characters. Being in the minority, they are probably considered insignificant complainers. With everyone else, they too will be “persuaded” by the tip of a financial blade to purchase this product (health insurance) whether they need it or like it or not. But decisions for the sake of the majority does not prove that this is anything more than a big bandaid.