Jeff, I'm sorry that you're paying more. I'm envious that your state is implementing single-payer, though! California considers and rejects the bill every session, so far.

MVP itself is not-for-profit. Interesting that they think the pool in the two states they focus on is now that much more expensive. I can't imagine why.

Thanks

Bruce

I think if James Clapper or Keith Alexander joined the board of DropBox you'd see the same issues. But they haven't.

Being a donor to one of two political choices (or often both) is one thing. That's very, very far removed from power. Actually having started wars whilst being Secretary of State is entirely different.

To pick a nit, if you require medical attention after an auto accident, typically the at-fault driver's auto policy would need to cover that.

If they are so kind to stick around and your expenses do not exceed the limits.

Certainly such scams existed, but 30 seconds of googling can typically separate the good from the fraud.

The web helps. At the time, I was not able to see the plan until the salesman was present.

She gave speeches strongly advocating war in Iraq, and was an integral part of the whole process that led to a war which killed over 100,000 people. It was later solidly established that the people at the very top of the Bush administration knew their excuses for war were BS and kept repeating them anyway, and ignoring all the evidence that they were wrong.

I keep reading about how intelligent this woman is. But given the things she's done, she sounds pretty goddamn dumb to me. It's not everyone who can say their mistakes led directly to mass death.

I think you are confusing laissez-faire capitalism with freedom. In this particular case the insurers had the task of operating a risk pool, but no incentive to allow any but the lowest risk customer into the pool. Freedom was harmed overall, as a significant number of people had no viable path to medical care.

There are a good number of people who, like you, would feel less encumbered if they were able to live on an island without any civil services and thus without any burden to pay for their fellow man rather than themselves. My surmise is that few of them would survive very long. However, I would encourage you to try if you are able to find such a place. Go ahead, prove me wrong.

I am hardly surprised that insurance companies do not like the situation of having any additional regulation imposed upon them and will raise fees or do anything else they can do to protest and to discredit it.

If you've even hung around the emergency department of a hospital, you will have seen where the real cost of uninsured patients was going. Suddenly this cost is transferred from the hospital to subsidized plans. Ultimately, it should result in better management of the expense.

If you have so few choices in that state, I'll bet the problem is government-based cronyism.

I think it's called laissez-faire capitalism. Too little regulation means that the market will concentrate on the most profitable customers and not necessarily provide any service at all to others.

The point of insurance is that it's a risk pool that lowers the cost of saving to pay for a catastrophe for every participant, based on the probability that most folks won't need it. But it doesn't work for the folks who aren't allowed in the pool. And the reality is that everyone will need it sometime, and that it is normal for a society for some proportion of its people to be sick.

We have actually had some good insurance regulators in California. I don't know much about the current one but he seems to have achieved a pro-citizen rather than pro-company record.

I did not check with the state before I rejected the trash plan, perhaps it wasn't legal.

Valerie has insurance which covers the three of us, but it's her insurance. If she lost her job or if other things happened that I decline to contemplate, we would not have been able to obtain that sort of insurance or indeed anything that wasn't a fraud or a rip-off.

Are you able to show us the terms of your plan? The reason I ask is that I was offered what turned out to be a "trash plan", and the sort of things that aren't being grandfathered are rejected because they don't meet a minimum standard of care. In my case, a catastrophic injury such as in an auto wreck would not have been covered significantly.

The lady who famously confronted Obama on this issue had a plan that limited its payout to a few hundred dollars.

There were two sorts of plans available: There was a company that sold a "trash plan" and sent a sales person to my home. This plan was not written to provide useful medical coverage for a catastrophic condition such as an auto accident with severe injury. Basically, it was a "feel good about being insured until you try to use it" plan which had the main purpose of producing income for a fraudster. I am very glad that such things are being prohibited now because I know there are lots of people who are not as careful readers of terms as I am.

The second was priced so prohibitively high that it seemed to be intended to deter the customer from purchase.

California's exchange is well capable of providing a mere 7 Million registrations and was not ever having problems while the Federal site was the subject of so much news controversy.

I am celebrating this event because This is the first time that Bruce Perens can get insurance coverage! I operate my own company and have previously only had access to insurance through my wife's employer. All of my family, my wife, my son, and I, have each individually been rejected by private insurers for what was esentially medical trivia. In my son's case, it was because he took a test they didn't like even though he passed it.

Not everyone understands the B.S. that private insurers were permitted to put people through.

Much though I love NSA related conspiracy theories, especially lately, I think "the NSA writes a pile of crap and gives it away for free in the hope it becomes inexplicably popular" is perhaps not the best one available. OpenSSL has been around for a loooong time with virtually no resources put into it, which is one reason it sucks. The other reason being that the original author wrote OpenSSL in order to teach himself C (and it shows).

Recall that SSL was not very widely used up until a few years ago, and it's only in the last 18 months that suddenly every man and his dog wants a secure website. It's not surprising that core libraries that do it are subpar. Even very large companies like Google or Microsoft have typically only had one or two people who really understood and cared about SSL.

Unpopular though it is, if you can take a small(ish) performance hit, you could use a Java HTTPS server that proxies to your app. The Sun/Oracle JSSE SSL stack (in the Oracle VM, not Android) is pure Java and thus immune to these sorts of errors. In JDK8 it supports TLS 1.2, ECDSA, perfect forward secrecy and the use of AES-NI for hardware accelerated constant time stream ciphering.