Am I a Winner or a Loser?

As the year comes to an end, my husband and I still haven’t met the $4,000 deductible on our health insurance.  Since he is a partner in a law firm, we pay both the employer and the employee portion of our health insurance premiums, around $15,000, so you might feel that we wasted all that premium money, that we are health care losers.

Our premiums obviously went to subsidize someone else’s health care, some poor thing who needed cancer treatment or heart surgery.  Is that person a winner, because he got more than he paid in?

What about the fact that my house didn’t burn down or that I wasn’t in a car accident, yet I spent a lot on home and auto insurance?  Am I loser there too?

Having spent my 62nd year in good health, with the comfort of knowing that if I got very sick, I didn’t have to worry about losing my house and savings, I am feeling very much a winner.  I’d rather not be puking my way through chemo or hooked to machines in intensive care with bazillion stitches in my chest.

My insurance premiums bought peace of mind, which to me is worth far more than I spent.  For those who don’t care about peace of mind, you can build your house of straw for just $95 under Obamacare.