Mandating Self-Defense Insurance for those that Carry Firearms – good or bad idea?

“The cost of using your firearm in self-defense can be in the hundreds of thousands of dollars if you have to hire a lawyer, get yourself bailed out of jail, and fight for yourself in court.”

There has been some back and forth in various media and groups on the internet about possible gun control laws that would require a person who carries a firearm for self-defense to have insurance in case the firearm is used in any incident. And some legislators thought about making it mandatory to get a concealed carry permit. I don’t think I need to tell you this is a bad idea on many levels, but just in case, let me try.

First, you should NEVER have to pay to exercise a right guaranteed by the Constitution. But even that is still not a reason good enough for some. Second, by requiring insurance to be allowed to carry a concealed or open carry firearm, you are limiting the exercise of a right to only those who can afford to purchase the insurance. That is basically “disenfranchising” to those with a lower socio-economic status. Third, the market is very limited in the choices of insurance carriers, and there is no “standard” that one can look for in a company.

Read the rest of the story here…

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Is anyone worth this kind of money?

I was a little surprised at the backlash of the mainstream media when the new administration talked of trying to write a new health care bill.  You see I have a personal interest in this topic.

My wife has a pre-existing medical condition which would prohibit her from getting insurance from most health insurance companies. Fortunately, I have insurance through my employer and had it for my wife before she became gravely ill in 2015. After several weeks in ICU, a life flight to get emergency surgery, and continuing care after being discharged from the hospital our medical bills topped the 1.5 MILLION dollar mark! Well, of course, I am not wealthy by any measure and I would be bankrupt trying to pay all of that myself. Thankfully my insurance paid the vast majority of that bill, and we, with the help of friends, were able to pay the bills and stay out of bankruptcy.

Then I was hit when my son turned 18, having to find insurance for him also. The problem is we adopted him at 18 months of age, and until he turned 18 he had insurance provided by the state as an incentive for adoption. So when I called my benefits representative at my employer and asked how I go about putting him on my insurance plan at work I was shocked when she told me it would be more than $900 a month to add my son to my insurance plan at work. $900 a month for 1 person! I almost fell over in my office when she told me that. He is currently not insured and I am scared to death that he may get sick, or injured and require care.

As many of my readers know I work full time supervising a large police academy in North Florida. I have been in the law enforcement field since I was 13, getting hired at 18. That means I have been in law enforcement working for 37 years. I plan on retiring in about 6 years from now when I turned 62, but because of insurance for my wife, I may not be able to do that. I may have to work just to keep insurance for her and my son. You see I have full coverage for myself through the Veterans Administration.

So when I have been looking at the bickering in the capital about the health care issues our country is facing, I am one of those faces they like to talk about as an example of the cost of health care. When I was researching why health care cost so much, I saw the usual comments; high cost of doctors, the high cost of hospitals, the high cost of medicine. But nothing prepared me for the information I ran across on how much the CEO’s of the health care insurance companies make, and almost fell over from shock.

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Now I don’t know about you, but I work for my pay, and like to think I earn what I get paid. But who in their right mind would say they are worth anywhere from $31,016 PER DAY or up to $254,328 PER DAY? I do not know what you could do that would earn that kind of money. The above graphic shows you the total compensation of Health Care Insurance companies CEO’s in 2014. All but one make more in one day than I make in a year!

So when people talk about universal health care or changing the current system, listen to them and then remind them that one of the reasons for our skyrocketing cost of health care coverage is that some people get paid in one-year more than most people make in their lifetimes! Who is worth that kind of money when it comes to offering insurance that people’s lives depend on! Something has to change, and I still do not have all the insurance I need because I can’t afford it!

See the full story here.