[Moneyguy1]

Insurance rates, for the most part, whether they be for health or housing are generally "take it or leave it", with no (or very little room) for negotiation. This is not an efficient system, except from the viewpoint of the service providers. When was the last time you talked your insurance provider into giving you a lower rate?

A few years ago, in Arizona, State Farm lost a huge mold case. My rate doubled. When I questioned it, I was told I could lower my rate by increasing my deductible. (I went with AARP/Hartford for both my cars and the house and reduced my combined bill by over $500 and got even better coverage including mold coverage)

There is a fallacy out there that, in all cases, private industry is superior to a government operation. While, in some cases, theis is true, it is not a general rule nor is it an absolute. This concept is simply a mindset of some who believe that smaller government is a goal while supporting an administration that has bloated the power of the federal government out of all recognition. Now THAT is also a generality and I freely admit it.

There is NO perfect economic system. Each system has its pluses and minuses, and none is totally evil. It is time for some of you to take off that cap of bias, start thinking for yourself and look at things a bt more objectively. That might be a struggle, but believe me, from a former idealogue, the journey is well worth the effort!!