magid: (Default)
magid ([personal profile] magid) wrote2025-12-19 02:08 pm
Entry tags:

Today’s food prep

I made another batch of hot water pastry today that became the crust for two vegetable pies: parboiled beets*, purple-top turnips*, carrots*, and potatoes* with frozen peas, quartered hard-boiled eggs, and onion-mushroom (baby bella) white sauce. There was some dough left, which I used for a sort-of galette filled with apples* and some of the failed apple* jelly I boiled down to about half the volume.

I should make a slaw, but the weather has me uninspired towards salad.

* locally sourced
magid: (Default)
magid ([personal profile] magid) wrote2025-12-17 05:41 pm
Entry tags:

Winter share, 5 of 11

Apparently, it was much colder in western MA: the shares were boxed this week. More than half the people who picked up while I was there decanted their veggies immediately (I suspect it correlates to whether people had cars with them or not).
  • a big bag of spinach
  • 2 heads of cabbage
  • 2 biggish white daikon
  • 5(ish?) pounds of carrots
  • 3(ish?) pounds of sweet potatoes
  • 3(ish?) pounds of white potatoes

First thoughts: no alliums, so I’ll have to fill those in. I have three weeks before the next distribution, so hopefully I’ll catch up; all of these are pretty easy to fit in. The daikon is trickiest for me: carrot daikon slaws in a variety of dressings, or with cabbage in okonomiyaki, or pickled (with or without carrots).
magid: (Default)
magid ([personal profile] magid) wrote2025-12-17 03:02 pm
Entry tags:

101 Summer St.

This morning I stopped by the credit union ATM to get some cash. I did not think about denominations, which is how I ended up with a $100 bill when I’d expected $20s. Ack.

This gave me an excuse to buy lunch out (in addition to not having brought more than breakfast with me), which, now that Bakey has lost kosher certification, meant I headed to Milk Street Cafe to grab one of today’s specials (tuna-noodle casserole will always be comfort food for me, which I know is definitely not a universal opinion).

Previously, I had a great default route from the Downtown Crossing station to the restaurant through the 101 Arch St. lobby. Recent construction has closed that option off permanently, alas (the atrium is really pretty, with a multi-story internal spiral staircase (that I suspect is no longer used, but looks great)).

On the way back, I decided to avoid the exit I’d used on the way out, which had a bunch of pigeons fighting over chicken bones (I don’t really want to think too much about that…), so went through the non-Arch St. part of the lobby at 101 Summer St., which still has an entrance to Downtown Crossing. Except that the down escalator was blocked off for maintenance, and there weren’t any obvious stairs, which is how I found out that there’s an elevator. You know how when you get into a new-to-you elevator, you do a quick scan for which side has the buttons? Well, both sides had buttons, L for the floor we were on, and… different buttons for the lower level. I pressed M (I’m guessing for MBTA?), while the other guy who got in the elevator pressed L2 on his side. Why L2? why not just L, or L1? These are mysteries. Were there not enough L2 or M buttons to go around? Is this an office plagued with Borrowers? Was there previously an L1 level that aliens sucked out and wiped from our memories except for this one slip? Inquiring minds want to know!

Also, the long-closed Charlie Card Store at Downtown Crossing is no longer empty, but not open to the public, either: it seems to be a supplies depot for cleaners and possibly other workers?
nancylebov: (green leaves)
nancylebov ([personal profile] nancylebov) wrote2025-12-17 10:05 am
Entry tags:

Illuminatus quote about police

I've been trying to find a quote from _Illuminatus!_ without, you know, actually rereading it, and a friendly person turned it up. It's about there being too few police to actually enforce laws.

https://www.astralcodexten.com/p/open-thread-412/comment/188217822

*****

It's near the beginning of "Book Five", which is in the third volume:

"He wouldn't travel far," Saul explained. "He'd be too paranoid--seeing police officers everywhere he went. And his imagination would vastly exaggerate the actual power of the government. There is only one law enforcement agent to each four hundred citizens in this country, but he would imagine the proportion reversed. The most secluded cabin would be too nerve-wracking for him. He'd imagine hordes of National Guardsmen and law officers of all sorts searching every square foot of woods in America. He really would. Procurers are very ordinary men, compared to hardened criminals. They think like ordinary people in most ways. The ordinary man and woman never commits a crime because they have the same exaggerated idea of our omnipotence." Saul's tone was neutral, descriptive, but in New York Rebecca's heart skipped a beat: This was the new Saul talking, the one who was no longer on the side of law and order."

Saul Goodman is a police officer who gains a better understanding of the world as the books go on. I was wondering how the passage looks now.
bloodygranuaile: (Default)
bloodygranuaile ([personal profile] bloodygranuaile) wrote2025-12-14 11:10 am

A new definition of necropolitics

The December installment of my Vorkisigan Saga reading project was Cryoburn, the second-to-last in the series! This felt a bit like a return to the “main plot” of the series, in that it is a story about Miles, not any of our (highly beloved!) side characters, and in it, Miles is doing good old-fashioned spy shit. In this case, Miles has been sent in his role as an Imperial Auditor to check out something that Seems Off about a corporate project currently underway on Komarr. The short version is that a cryonics corporation from Kibou-Danai, a planet that’s bizarrely obsessed with cryonics and where huge portions of the population put themselves into cryonic freeze until [whatever they were afraid of dying of] is cured and/or their contract is up or runs out of money, is setting up a branch on Komarr, a slowly terraforming planet in the Barrayaran imperium. Miles goes to Kibou-Danai with his armsman Roic and a borrowed scientist from the Durona Group as delegates to a cryonics conference as cover to poke around. It’s all slick corporate bullshit until the conference is attacked by an inept but passionate group of dissidents who try to kidnap everybody. This does not go exactly as planned for the dissidents but it also means nothing is going as planned for anyone else–least of all Miles, who has a spectacular allergic reaction to the sedative they tried to give him–but things not going to plan is where investigative breaks tend to happen, so overall you could say that, near-death experiences aside, the attack was quite a lucky break for Miles.

Because Miles is still, at the age of thirty-whatever, protected by the same foot-thick plot armor that allowed him to survive adolescence and revive from dying in his twenties, he instantly stumbles into the exact correct small child to really get the plot going. In typical Bujold fashion the plot is a mix of classic military sci-fi action-adventure shenanigans–heisting frozen bodies, tailing the goons that are tailing you and getting into stunner shootouts with them, corporate cover-ups, pretending to take bribes, cases of mistaken identity, a brilliant but politically naive scientist type who Makes A Dangerous Discovery, all that good shit–and a deep interest in reproductive and life technologies and the way they affect the culture, politics, and economics of very different civilizations. The ultimate plot from WhiteChrys ends up being about when two very different forms of blatantly anti-democratic vote hoarding on supposedly democratic planets collide. But this ends up basically being only the secondary plot for what is rotten in the state of Kibou-Danai. It all ends rather satisfyingly with corporate bigwigs actually being put on trial for murder, because this series is, after all, ultimately a power fantasy about being able to solve problems.

But the depth of this book comes from basically being a meditation on death, grief, what the living and the dead owe each other, aging, child-parent relationships, the cost to families of taking on the risks of causing political trouble, and all that personal stuff. One of our viewpoint characters is an eleven-year-old runaway whose mother was essentially kidnapped by the police and frozen under dubious circumstances, and who has never been given the time and space to mourn her sudden disappearance from his life, because after all, she is technically not dead.

This all adds up very nicely to provide thematic foreshadowing for the plot point that drops on us right in the epilogue, which prompted me to unfreeze (lol) my hold on Gentleman Jole and the Red Queen immediately instead of waiting until next month. I gotta see what happens next.
siderea: (Default)
Siderea ([personal profile] siderea) wrote2025-12-14 08:45 am
Entry tags:

Understanding Health Insurance: The Three-Stage Model [healthcare, US, Patreon]

Canonical link: https://siderea.dreamwidth.org/1891517.html


This is part of Understanding Health Insurance





The Three-Stage Model



When you have health insurance, you have a contract (health plan) with the insurance company that says that for the duration (the plan year) of the contract, you will pay them the agreed upon monthly fee every month (the premium), in exchange for them paying for your health care... some.

How much is "some"? Well, that depends.

To understand what it depends on, you have to understand the three-stage model that health plans are organized around.

This three-stage model is never described as such. It is implicit in the standard terms (jargon) of the health insurance industry, and it is never made explicit. There is no industry term (jargon) for the model itself. There are no terms (jargon) for the three stages. But health insurance becomes vastly easier to understand if you think about it in terms of the three-stage model that is hiding in just about every health plan's terms (agreements).

Read more: 12,170 (sic!) riveting words about health insurance in the US] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
siderea: (Default)
Siderea ([personal profile] siderea) wrote2025-12-12 06:49 am
Entry tags:

Update [me, health, Patreon]

So, I, uh, got my RSI/ergonomics debugged!* I then promptly lost two days to bad sleep due to another new mechanical failure of the balky meat mecha and also a medical appointment in re two previous malfunctions. But I seem back in business now. The new keyboard is great.

Patrons, I've got three Siderea Posts out so far this month and it's only the 12th. I have two more Posts I am hoping to get out in the next three days. Also about health insurance. We'll see if it actually happens, but it's not impossible. I have written a lot of words. (I really like my new keyboard.)

Anyways, if you weren't planning on sponsoring five posts (or – who knows? – even more) this month, adjust your pledge limits accordingly.

* It was my bra strap. It was doing something funky to how my shoulder blade moved or something. It is both surprising to me that so little pressure made so much ergonomic difference, and not surprising because previously an even lighter pressure on my kneecap from wearing long underwear made my knee malfunction spectacularly. Apparently this is how my body mechanics just are.
siderea: (Default)
Siderea ([personal profile] siderea) wrote2025-12-12 06:17 am
Entry tags:

Choosing Health Insurance: HSAs: FYI re bronze, catastrophic plans [healthcare, US, Patreon]

Canonical link: https://siderea.dreamwidth.org/1890494.html


0.

Hey Americans (and other people stuck in the American healthcare system)! Shopping for a health plan on your state marketplace? Boy, do I have some information for you that you should have and probably don't. There's been an important legal change affecting your choices that has gotten almost no press.

Effective with plan year 2026 all bronze level and catastrophic plans are statutorily now HDHPs and thus HSA compatible. You may get and self-fund an HSA if you have any bronze or catastrophic plan, as well as any plan of any level designated a HDHP.

2025 Dec 9: IRS.gov: "Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill"
Bronze and Catastrophic Plans Treated as HDHPs: As of Jan. 1, 2026, bronze and catastrophic plans available through an Exchange are considered HSA-compatible, regardless of whether the plans satisfy the general definition of an HDHP. This expands the ability of people enrolled in these plans to contribute to HSAs, which they generally have not been able to do in the past. Notice 2026-05 clarifies that bronze and catastrophic plans do not have to be purchased through an Exchange to qualify for the new relief.

If you are shopping plans right now (or thought you were done), you should probably be aware of this. Especially if you are planning on getting a bronze plan, a catastrophic plan, or any plan with the acronym "HSA" in the name or otherwise designated "HSA compatible".

The Trump administration doing this is tacit admission that all bronze plans have become such bad deals that they're the economic equivalent of what used to be considered a HDHP back when that concept was invented, and so should come with legal permission to protect yourself from them with an HSA.

Effective immediately, you should consider a bronze plan half an insurance plan.

Read more [3,340 words] )

This post brought to you by the 221 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
bloodygranuaile: (Default)
bloodygranuaile ([personal profile] bloodygranuaile) wrote2025-12-10 02:47 pm

Spooky scary skeletons and more

My longread for 2025 (yes, I gave myself even more reading assignments than the ones I’ve already talked about!) was a big old leatherbound, gilt-edged, beribboned copy of The Complete Tales and Poems of Edgar Allan Poe, given to me as a Christmas gift in 2008 by my dad and stepmom and their beloved dog at the time, the now-departed Gussie. I had read many of the pieces in the book before, and I have used the volume as a reference now and again in the ensuing 17 years of goth nonsense, but I hadn’t actually sat down and read the entire thousand-page volume cover to cover.

Now, one of the things that happens when you sit down to read all of Poe instead of just the bits that got really famous, is you realize that a bunch of the stuff that is not famous is not famous for a reason. The quality here is extremely variable. There are some pieces that have, to put it delicately, not aged well. Some are just very repetitive, or kind of vaguely atmospheric to the point where it’s not clear what’s going on, or otherwise just miss the mark. However, lots of it is still very spooky, and lots of it is still pretty funny. I think people these days have largely forgotten that Poe was a comic writer as well as a horror writer, but he was. There is one piece, titled “Why the Little Frenchman Wears his Hand in a Sling,” that is written entirely in eye-searing old eye-dialect attempting to convey the accent of the narrator, who is from Connacht, that I could not help but find funny not in spite of but in good part because of the astoundingly old-fashioned anti-Irish racism on display. (Also I learned the word “spalpeen.”) There’s also one where a mummy comes back to life after five thousand years, is offended that anyone thought he was really dead, and talks the narrator into going into essentially cryofreeze for two hundred years. There are multiple stories about hot-air balloons, for some reason. It’s really not the most cohesive body of work, other than all being extremely, extremely nineteenth century.

The collection closes out with Poe’s only novel, The Narrative of Arthur Gordon Pym of Nantucket, which is definitely the sort of novel that you can tell was written by a short story writer. It is roughly four sequential maritime adventure plotlines strung together, ending very abruptly with an apology for having “lost” the final two or three chapters that would have presumably constituted the climax of the book. We don’t ever find out what Pym found at the South Pole or how he got back to civilization afterward. The only thing I remembered about it from reading it in high school is that the pacing drove me completely up the wall. It drove me slightly less up the wall this time–perhaps because I had split reading it across two separate months, instead of all in one go–but it definitely feels very episodic, and some of the episodes could frankly have been better arranged. In one, the characters are stuck on a mostly-wrecked boat and run out of food, and they do the whole drawing straws and being reduced to cannibalism thing, and then the narrator remembers that he stashed an axe away somewhere and uses it to break into one of the previously sealed-off cabins and rescues a bunch of food. It really undercuts the tragic necessity of the turn to cannibalism in the previous chapter, frankly. Also, the narrator is so busy getting right into his subsequent adventures that he basically never mentions his childhood best friend Augustus again after he dies a horrible gruesome death and his leg falls off. I must continue to reluctantly deem the Narrative as merely being several short stories in a trenchcoat.

Overall I had a great time reading this mishmash of the macabre and the absurd, and I’m glad that American literature has given us Poe, even though he seems to have been an absolute mess of a human being. May his legacy continue to fascinate weird little Goths for the next two hundred years.
bloodygranuaile: (Default)
bloodygranuaile ([personal profile] bloodygranuaile) wrote2025-12-09 02:09 pm

Heave 'er up and away we'll go, along the plains of Mexico

The Monday night history call recently finished up the third book in what I’m calling Alan Taylor’s “American Nouns” series, American Republics: A Continental History of the United States, 1783-1850. This book follows the period that I think of as “the time when I don’t know who any of the presidents are,” i.e., the interim decades between the Revolution and the Civil War.

Unsurprisingly, this book continues many of the themes of the previous two books, likely because they are recurring themes in American history. One of these themes is “stealing people’s land, pretending you are the victim when they fight back, and using your pretended victimhood to steal more land.” Another one is “seeing who can be the most racist against the most people in the most innovative ways,” giving us such all-American gems as “being anti-slavery but only because having slavery means keeping black people around and you’d rather deport them all to Liberia.” I learned that during Texas’ brief period of being an independent republic, it was illegal to manumit slaves and illegal to be a free Black person. An additional theme that it is hard not to notice is that every time someone tries to be reasonable or compromising or open-minded to white settlers–both the pro- and anti-slavery ones–they are punished for it.

Throughout, Taylor does a good job of making the various depredations of our garbage republic engaging, comprehensible, and–most distressingly–relevant. The choices of quotations and epigraphs are often pointed and sometimes funny. There are lots of interesting little stories about individual people woven into what is a very wide-ranging survey history, and not all those individual people are particularly famous these days. There is a strong focus on the politics and fortunes of Native nations, as well as some stuff about other countries in North America that aren’t the U.S., such as Mexico.

Anyway, now I know a lot more about How The West Was Won and all that and I sort of wish I didn’t. This is a very good book all the same.
bloodygranuaile: (Default)
bloodygranuaile ([personal profile] bloodygranuaile) wrote2025-12-08 11:31 am

"A very small affair, indeed"

I’m almost at the end of my Year of Erics! November’s (theoretically November’s, anyway) installment was Erik Larson’s The Demon of Unrest, about the shelling of Fort Sumter, which started the Civil War.

This was a pretty fast-paced, extremely readable snapshot of the leadup to the beginning of the Civil War, which contains a lot of details that jar some of the assumptions that I think a lot of us hold about the Civil War, like that of course it was going to happen because it was in History Times when wars happen and not in modern times when we’ve just recently invented other options, and that anti-slavery people were always anti-racist (or at least trying) and that the South had the decency to at least pretend it was about something other than slavery (like neo-Confederates try to lie about now). The portrait of Abraham Lincoln was also quite interesting; he’s such a larger-than-life figure that I either had forgotten or never knew that he had to sneak into Washington DC before the inauguration because a bunch of people were worried he’d be assassinated before he was even sworn in. I also, in a weird way, found it oddly soothing that Abraham Lincoln still gets to be a Great Man of History and nobody remembers that he once assigned the same big important battleship to two separate fort defense missions at the same time, thus absolutely fucking over Fort Sumter because the guy who was managing the supplies delivery run kept sitting around outside of Charleston Harbor waiting for the Powhatan to show up Any Minute Now when it was actually in Florida defending some other fort that nobody really gave a shit about. Whatever fuckups I’ve made in my life–and last month I managed to get my car towed during street sweeping twice–I have at least never made a fuckup that big. (Obviously that is partly because I can’t because I’m not the president, but still.)

There were a few figures here who were already familiar to me because they are the biggest of big names in Civil War history, but frankly, I am not a Civil War history buff so the majority of people we spend any real time with were not people I already knew about. There were a few people we spent time with mostly because they kept really detailed diaries, like Mary Chestnut, the wife of some vaguely important Confederate guy, which meant she spent a lot of time rubbing elbows with “the chivalry,” the self-congratulatory title that the aristocracy-LARPing planter class gave itself to further scaffold the fantasy that owning other people and constantly brutalizing your subordinates made you Honorable, but that anyone thinking something was kind of off about that was an intolerable insult to the Honor that this definitely totally Honorable class of people for sure had.

Yeah, so the book made some pretty good and relevant points about how civil war is horrifying and basically every with two brain cells to rub together at the time was trying to find a way to avoid it and only the most obviously bloodthirsty maniacs in a society based entirely on the notion that some people are just allowed to be bloodthirsty maniacs actively wanted it. But also, truly the slaveholding planter aristocracy were some of the worst people to ever live, and I spent the whole book lamenting that John Brown hadn’t gotten every single individual one of them.

Anyway. One of our central characters on the Union side is Major Anderson, the guy in charge of the federal forts in Charleston Harbor, South Carolina, who found himself boxed in in a pretty dire way when South Caroline became the first state to secede from the Union. Anderson found himself not only geographically isolated, but also in the infuriating place of continually either not getting guidance from his superiors, or getting vague and contradictory guidance. This was partly due to the limitations of communication technology at that time and the disruptions to the communications infrastructure that did exist due to South Carolina’s secession, but also partly because President Buchanan was useless and indecisive, and because the chain of command was full of people who were about to quit and become Confederates but not before causing as much trouble as they could, and frankly also because once Buchanan was out and Lincoln was in, Lincoln had to take some time to figure out what the fuck was going on and by the time he could give any real decisive orders, getting messages to Anderson was pretty difficult. So after the move from the obsolete Fort Moultrie on land to the incomplete, new Fort Sumter in the middle of the harbor–a brilliant tactical operation conducted under cover of night on Christmas, and that culminated in setting Fort Moultrie on fire so it’d be even more useless to the secessionists than it had been to the Union–Anderson and his men were essentially just increasingly stuck in their bolthole as the food ran low and South Carolinians built–or, mainly, had their slaves build, god forbid white people do any of the work they want done–a bunch of gun batteries in a circle around them.

From then it was kind of only a matter of time before things came to a head, which they eventually did, in ways marked by incompetence, cowardice, very silly and specific notions of honorable and dishonorable behavior, and general ego. Sumter was bombarded and evacuated and Charleston erroneously thought that was the end of that, but instead the Civil War happened, and truly enormous numbers of people died, and slavery was officially abolished although 150 years later the successors to the white planter class aren’t any less racist. The book ends with Edmund Ruffin committing suicide, which, after all I’d just read about Edmund Ruffin in the preceding 400 pages, I consider to be ending on a high note.
siderea: (Default)
Siderea ([personal profile] siderea) wrote2025-12-08 07:42 am
Entry tags:

Understanding Health Insurance: A Health Plan is a Contract [US, healthcare, Patreon]

Canonical link: https://siderea.dreamwidth.org/1890011.html

This is part of Understanding Health Insurance





Health Insurance is a Contract



What we call health insurance is a contract. When you get health insurance, you (or somebody on your behalf) are agreeing to a contract with a health insurance company – a contract where they agree to do certain things for you in exchange for money. So a health insurance plan is a contract between the insurance company and the customer (you).

For simplicity, I will use the term health plan to mean the actual contract – the specific health insurance product – you get from a health insurance company. (It sounds less weird than saying "an insurance" and is shorter to type than "a health insurance plan".)

One of the things this clarifies is that one health insurance company can have a bunch of different contracts (health plans) to sell. This is the same as how you may have more than one internet company that could sell you an internet connection to your home, and each of those internet companies might have several different package deals they offer with different prices and terms. In exactly that way, there are multiple different health insurance companies, and they each can sell multiple different health plans with different prices and terms.

Read more... [7,130 words] )

This post brought to you by the 220 readers who funded my writing it – thank you all so much! You can see who they are at my Patreon page. If you're not one of them, and would be willing to chip in so I can write more things like this, please do so there.

Please leave comments on the Comment Catcher comment, instead of the main body of the post – unless you are commenting to get a copy of the post sent to you in email through the notification system, then go ahead and comment on it directly. Thanks!
siderea: (Default)
Siderea ([personal profile] siderea) wrote2025-12-08 07:41 am
Entry tags:

Understanding Health Insurance: Introduction [healthcare, US, Patreon]

Canonical link: https://siderea.dreamwidth.org/1889543.html


Preface: I had hoped to get this out in a more timely manner, but was hindered by technical difficulties with my arms, which have now been resolved. This is a serial about health insurance in the US from the consumer's point of view, of potential use for people still dealing with open enrollment, which we are coming up on the end of imminently. For everyone else dealing with the US health insurance system, such as it is, perhaps it will be useful to you in the future.





Understanding Health Insurance:
Introduction



Health insurance in the US is hard to understand. It just is. If you find it confusing and bewildering, as well as infuriating, it's not just you.

I think that one of the reasons it's hard to understand has to do with how definitions work.

Part of the reason why health insurance is so confusing is all the insurance industry jargon that is used. Unfortunately, there's no way around that jargon. We all are stuck having to learn what all these strange terms mean. So helpful people try to explain that jargon. They try to help by giving definitions.

But definitions are like leaves: you need a trunk and some branches to hang them on, or they just swirl around in bewildering clouds and eventually settle in indecipherable piles.

There are several big ideas that provide the trunk and branches of understanding health insurance. If you have those ideas, the jargon becomes a lot easier to understand, and then insurance itself becomes a lot easier to understand.

So in this series, I am going to explain some of those big ideas, and then use them to explain how health insurance is organized.

This unorthodox introduction to health insurance is for beginners to health insurance in the US, and anyone who still feels like a beginner after bouncing off the bureaucratic nightmare that is our so-called health care system in the US. It's for anyone who is new to being an health insurance shopper in the US, or feels their understanding is uncertain. Maybe you just got your first job and are being asked to pick a health plan from several offered. Maybe you have always had insurance from an employer and are shopping on your state marketplace for the first time. Maybe you have always gotten insurance through your parents and spouse, and had no say in it, but do now. This introduction assumes you are coming in cold, a complete beginner knowing nothing about health insurance or what any of the health insurance industry jargon even is.

Please note! This series is mostly about commercial insurance products: the kinds that you buy with money. Included in that are the kind of health insurance people buy for themselves on the state ACA marketplaces and also the kind of health insurance people get from their employers as a "bene". It may (I am honestly not sure) also include Medicare Advantage plans.

The things this series explains do not necessarily also describe Medicaid or bare Medicare, or Tricare or any other government run insurance program, though if you are on such an insurance plan this may still be helpful to you. Typically government-run plans have fewer moving parts with fewer choices, so fewer jargon terms even matter to them. Similarly, this may be less useful for subsidized plans on the state ACA marketplaces. It depends on the state. Some states do things differently for differently subsidized plans.

But all these different kinds of government-provided health insurance still use some insurance industry jargon for commercial insurance, if only to tell you what they don't have or do. So this post may be useful to you because understanding how insurance typically works may still prove helpful in understanding what the government is up to. Understanding what the assumptions are of regular commercial insurance will hopefully clarify the terms even government plans use to describe themselves. Just realize that if you have a plan the government in some sense is running, things may be different – including maybe very different – for you.



On to the first important idea: Health Insurance is a Contract.



Understanding Health Insurance