Happy anniversary last night, Rachel!

Spent Labor Day in awesome conversation connecting dots in elements of our national discourse and events. It was great to engage in uniform praise for Matt Taibbi, and to turn the concepts around together with other people who are analytical and well informed.

Consider -

H1N1 (swine) flu historically starts out with a short term spike that is minimally fatal. The flu begins to mutate, and comes back in the late fall/early winter, but then roars – nay, explodes – into a virulent killing machine in the late winter.

It seems quite clear that health reform will not have a public option (perhaps one that is “triggered” but not one starting out) and given that the same players created a TWO YEAR opportunity for credit card issuers to knock interest rates out of the park before new rules took effect, we can expect that any health reform (which should be in place before the H1N1 flu comes back for its class reunion around Thanksgiving) will have given the health insurance companies ample opportunity to reduce, reuse and recycle existing policy holders by jacking up premiums, co-pays, reducing benefits and basically making it very challenging for people to maintain their current health coverage.

While not widely reported, a very well researched and thorough writer has commented that a great number of his personal contacts are anonymously suggesting that we are about to experience major employers greatly reducing health benefits, increasing co-pays, increasing employee contributions especially for spousal or dependent coverage. This is expected to begin taking effect when enrollment periods open, which is traditionally late in the calendar year.

While not widely understood, current health insurance policies do NOT pay for emergency services, such as an emergency room visit with an onset of, say, sudden, chronic flu symptoms. Recently, a close friend had a visit to the ER after a diabetic episode at work and found that his employer paid health insurance pays only TWO HUNDRED DOLLARS of ER visits that are not (get this) approved IN ADVANCE.

Um, sure. “Hello? HMO? I'm thinking I'll have the flu on Thursday and may need to go to the ER – maybe Thursday night or Friday?”

In the 2000 presidential election, Ralph Nader was directly and aggressively challenged for his threat of Al Gore's effort to attain the White House. He acknowledged that, indeed, his intent was to block Al Gore from becoming president, saying (paraphrased) that our country had not yet suffered enough havoc of the policies of the previous 30 years to make lasting, real change.

I believe that he was right.

I believe also that a perfect storm may be brewing of greatly reduced health benefits, greatly increased health premium costs, greatly increased out of pocket payments for ER visits, co-pays and emergency treatment and the return of the H1N1 flu.

That change Ralph Nader has long thought needed may be nearly upon us.