Kevin Knauss: Health, History, Travel, Insurance
Posts by Kevin Knauss not related to health insurance or other categories, usually editorials, travel essays, food, pictures and maps.
I try to be pretty pragmatic when it comes to presidential elections. Regardless of the promises made by any candidate, we rarely see any real change in the U.S. with the election of a new president. However, Donald Trump ran on a platform to repeal and replace Obamacare. Since 90% of my income comes from enrollment generated by the Affordable Care Act, I am facing a drastic reduction of my income if Trump fulfills his promise.
My people ride in the back of the bus
My people struggle to pay their bills
My people don’t want to be labeled
My people are the artists whose great works are not recognized
My people are those who don’t conform
When your Wi-Fi internet connection stops working the world seems to have unfairly crashed on your computer or mobile device. Every time my internet connection would stop working for no apparent reason on my Vaio notebook computer I always pointed my finger at my internet service provider and their lousy service. Unfortunately, one sharp customer service representative at Consolidated Communications helped me determine that it was my computer that was shutting down our household Wi-Fi.
With just four Live Oaks (Quercus agrifolia nee) in my backyard, I will usually rake up 2 to 3 wheelbarrow loads of acorns every fall. Until I started reading about Maidu Native Americans that lived in the Granite Bay area of California, I hadn’t considered acorns as a food source. After I had documented numerous Native American acorn grinding-hole sites around Folsom Lake, I figured that I should try and prepare some acorn mush that was a staple of the Native American diet prior to the gold rush of the 1850s.
Under the new GOP presidency and congress Obamacare looks to be repealed and the replacement to emphasize Health Savings Accounts. The economic rationale for Health Savings Accounts (HSAs) is that when consumers pay for their health care out of the accounts, they will drive down the cost of health care by favoring the least cost procedures. Unfortunately, HSAs without price transparency for the consumer does nothing to bring lower prices or efficiency to the market place. HSAs in our current market place are just scams.
For the first time in my life I can commiserate with people who are losing their livelihood because of a government action. Just as some workers have been displaced because the government outlawed a product, changed an environmental regulation, or enacted a trade deal that smothered their industry, I too am on the receiving end of government legislation that will decimate my income. If Obamacare is repealed and the subsidies that make health insurance affordable for millions of Americans ceases, I will lose 90% of my clients.
With the constant erosion of the commission structures to agents for enrolling consumers into health plans in California, many agents have expressed their desire to stop assisting individuals and families with enrollment into Covered California health insurance. There has been renewed talk of allowing agents to charge a consultation fee to make up for the dwindling commissions they earn from the health plans and insurance companies. However, if agents want to make a decent return for enrolling consumers into health plans they need to provide the service so many of them advertise. We need to move from order-takers to consumer advocates, and we need fair compensation for our services.
It can be a difficult task to locate the faint outlines of the Negro Hill Ditch which is usually under water at Folsom Lake. But when the lake is low enough it’s possible to find the old grade and structures associated with the historic water canal that ran from east of Salmon Falls down to Negro Hill and Massachusetts Flat. In the autumn of 2016 I was able to complete my goal of walking along most of the Negro Hill Ditch.
With Folsom Lake water levels low in the autumn of 2016, I decided to hike from Rattlesnake Bar up the North Fork of the American River to see if I could catch glimpses of gold rush era history. The terrain was far more difficult than I imagine. While I know the river canyon has change since the gold rush of 1849, I was surprised at just how arduous the hiking along this stretch of the river must have been for the gold miners.
My father would have loved Donald Trump running for President of the United States. Even though my fathered died in 2010, I can still hear echoes of his voice as Donald Trump fulminates with anger against women, minorities, and different religions. It took me many years to comprehend the well of anger my father possessed against so many people in this world. But just like Donald Trump, my father didn’t hate the people he spoke against, he feared them.
