What if there was a bank account available, that required you to deposit monthly, what you would have paid an insurance company in premiums, for an ACA silver plan. So for a family of 5 about $2100.
The amount would then be used for Stop Loss Insurance set at $30k dollars. About $300. Another $200 would be used for local Direct Primary Care for your family
The balance would be in YOUR bank account.
Like an HSA, It could only be used for approved medical expenses. If you never have any medical expenses, you will get to keep the money plus checking act level interest, when you turn 65
If you have a medical event that is more than what you have saved, your bank will loan you the money you need to pay for it, up to the $30k stop loss trigger
You would repay that amount using the monthly $1600 net deposit. Once the loan is paid off, the deposits start to accrue to you again.
This is not insurance. It’s a specially designed bank account that gives you control, support, a doctor to work with and catastrophic financial protection.
Lots of work and issues to be addressed. But I was curious what people think
Let me know !
My guy @BrianNizTMJ4 is a machine! Calm, informative, resets the situation, and operates like a pro should. To all of the meteorologists working overtime and beyond to keep us informed, thank you.
NEW: In a letter to employees, United CEO Scott Kirby says the airline is prepping for oil to hit $175/barrel &
“doesn't get back down to $100/barrel until the end of 2027.”
United is shaving 3% of off-peak flights - “think redeyes, Tues/Wed/Sat flying” - this spring & summer.
NEW: Pete Hegseth's pastor and mentor says the United States should ban public Masses, Marian processions, and Corpus Christi devotions.
Hegseth invited the anti-Catholic preacher to lead a prayer service at the Pentagon on February 14. https://t.co/KASwkbTy5e
‼️‼️ NEW: HEGSETH BLOWS $93 BILLION IN 1 MONTH— BIGGEST MONTHLY EXPENSE SINCE 2008.
$225M Furniture
$15.1M Ribeyes
$5.3M Apple Devices
$6.9M lobster
$2M Crab Legs
$98K Grand Piano for staffer’s Home
$12K Fruit Basket Stands
$140K Doughnuts
$124k Ice Cream Machines
Maduro was never the legitimate president of Venezuela.
The precision action by Delta to get Maduro without massive military occupation is a how it should be done.
This was the right call. May Maduro face justice and the people of Venezuela be free
🇻🇪I’m in tears. In the middle of the night, a husband woke his wife just to tell her that President Trump had confirmed Maduro’s capture, a moment they never thought they would witness.
Friends-
This is a tough note to write, but since a bunch of you have started to suspect something, I’ll cut to the chase: Last week I was diagnosed with metastasized, stage-four pancreatic cancer, and am gonna die.
Advanced pancreatic is nasty stuff; it’s a death sentence. But I already had a death sentence before last week too — we all do.
I’m blessed with amazing siblings and half-a-dozen buddies that are genuinely brothers. As one of them put it, “Sure, you’re on the clock, but we’re all on the clock.” Death is a wicked thief, and the bastard pursues us all.
Still, I’ve got less time than I’d prefer. This is hard for someone wired to work and build, but harder still as a husband and a dad. I can’t begin to describe how great my people are. During the past year, as we’d temporarily stepped back from public life and built new family rhythms, Melissa and I have grown even closer — and that on top of three decades of the best friend a man could ever have. Seven months ago, Corrie was commissioned into the Air Force and she’s off at instrument and multi-engine rounds of flight school. Last week, Alex kicked butt graduating from college a semester early even while teaching gen chem, organic, and physics (she’s a freak). This summer, 14-year-old Breck started learning to drive. (Okay, we’ve been driving off-book for six years — but now we’ve got paper to make it street-legal.) I couldn’t be more grateful to constantly get to bear-hug this motley crew of sinners and saints.
There’s not a good time to tell your peeps you’re now marching to the beat of a faster drummer — but the season of advent isn’t the worst. As a Christian, the weeks running up to Christmas are a time to orient our hearts toward the hope of what’s to come.
Not an abstract hope in fanciful human goodness; not hope in vague hallmark-sappy spirituality; not a bootstrapped hope in our own strength (what foolishness is the evaporating-muscle I once prided myself in). Nope — often we lazily say “hope” when what we mean is “optimism.” To be clear, optimism is great, and it’s absolutely necessary, but it’s insufficient. It’s not the kinda thing that holds up when you tell your daughters you’re not going to walk them down the aisle. Nor telling your mom and pops they’re gonna bury their son.
A well-lived life demands more reality — stiffer stuff. That’s why, during advent, even while still walking in darkness, we shout our hope — often properly with a gravelly voice soldiering through tears.
Such is the calling of the pilgrim. Those who know ourselves to need a Physician should dang well look forward to enduring beauty and eventual fulfillment. That is, we hope in a real Deliverer — a rescuing God, born at a real time, in a real place. But the eternal city — with foundations and without cancer — is not yet.
Remembering Isaiah’s prophecies of what’s to come doesn’t dull the pain of current sufferings. But it does put it in eternity’s perspective:
“When we've been there 10,000 years…We've no less days to sing God's praise.”
I’ll have more to say. I’m not going down without a fight. One sub-part of God’s grace is found in the jawdropping advances science has made the past few years in immunotherapy and more. Death and dying aren’t the same — the process of dying is still something to be lived. We’re zealously embracing a lot of gallows humor in our house, and I’ve pledged to do my part to run through the irreverent tape.
But for now, as our family faces the reality of treatments, but more importantly as we celebrate Christmas, we wish you peace: “The people walking in darkness have seen a great light; on those living in the land of deep darkness a light has dawned….For to us a son is given” (Isaiah 9).
With great gratitude, and with gravelly-but-hopeful voices,
Ben — and the Sasses
🚨BREAKING: 53-year-old former Nebraska Senator, @BenSasse, announces he has Stage four pancreatic cancer and is "Going to die."
"Friends- This is a tough note to write, but since a bunch of you have started to suspect something, I’ll cut to the chase: Last week I was diagnosed with metastasized, stage-four pancreatic cancer, and am gonna die."
"Advanced pancreatic is nasty stuff; it’s a death sentence. But I already had a death sentence before last week, too — we all do."
Keep him and his family in your prayers.
Partially this Elon. But also, federal rules are written in the most ridiculous, outdated, and non transformational way. It costs more money to maintain a federal program than the actual work costs. Sad!
The reason government programs are so inefficient is that, unlike a commercial company, the feedback loop for improvement is broken, because they have a state-mandated monopoly and can’t go out of business if customers are unhappy.
No matter how bad the service is at your DMV (sorry to pick on DMVs), you still have to use your DMV, because it’s a monopoly.
Loyola University Chicago is greatly saddened to confirm the death of Sister Jean Dolores Schmidt, BVM. This is a tremendous loss of someone who touched the lives of so many people. We appreciate everyone’s thoughts & prayers during this difficult time. Details to follow.
He played video games, loved coding and dressed like any other teenager.
But his heart burned with love for the Eucharist.
And today he was Canonized a Saint by Pope Leo XIV
This is the story of Blessed Carlo Acutis, the Cyber Apostle – a 🧵✝️
World's first autonomous delivery of a car!
This Tesla drove itself from Gigafactory Texas to its new owner's home ~30min away — crossing parking lots, highways & the city to reach its new owner
Today, @SLOTUS and I visited the tomb of the late Holy Father Pope Francis.
He was beloved by many Catholics around the world, and I hope you will join me in praying for the repose of his soul.
The Conclave starts tomorrow to elect the new Pope, the 267th Successor of St. Peter, the father of princes and kings, ruler of the world, vicar on earth of Our Saviour Jesus Christ, to whom is honour and glory for ever and ever
🧵of the people who will play a prominent role.
“Asylums” were no longer effective and switched to community based programming.
This is largely treatment and cost effective.
The avg. cost of institutionalization is $700-$1,800/day.
1955: 161 million American citizens
1955: 560k mental asylum patients
2024: 332 million American citizens
2024: 35k mental asylum patients
Our streets are the new mental asylums
How do you differentiate performance based on subject matter, @elonmusk?
For example, an AP English teacher undoubtedly has more defined metrics of outcomes than a Special Education Teacher with nonverbal learners.
Unless incentives are changed, the outcome will not improve.
Successful teachers should receive higher compensation and terrible teachers must be fired.