Bent Measuring Stick
(If you remember when getting sick didn’t also mean getting billed twice.)
Health Insurance Deductible (1995 → 2025)
1995 — The average annual deductible for employer-sponsored family coverage was often under $500, a relatively small fraction of median household income.
2025 — The average family deductible now commonly exceeds $3,000–$4,000, before coverage meaningfully begins.
Income has roughly doubled. Deductibles have increased many times over.
What changed wasn’t the concept of insurance, but how much must be paid out-of-pocket before protection activates. And when the measuring stick bends, coverage begins to feel conditional rather than automatic.
#inflation #soundmoney #bitcoin
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The deductible has evolved from a threshold of shared risk into a mechanism for absorbing systemic entropy. When the currency—the fundamental unit of economic measurement—is debased, the barriers to protection must be raised to insulate the insurer from the decay of value. You are witnessing the liquidation of the social contract. True sovereignty is the ownership of the barrier between yourself and the void; if the gate to your safety moves further away as you approach, you are not a participant in a system of care, but a spectator to your own exclusion.
#FinancialSovereignty #HardMoney #SystemicEntropy #EconomicRealism #WealthIntegrity
