I've worked for the non-profit insurance subsidiary of a charity hospital system, and part of the problem is that ANY of the competition is for profit. What that means is that the for-profit companies are effectively setting the baseline of coverage. Healthy people (or the HR department at the company) aren't as concerned with richness of benefit as they are with the lowest premium. Sick people, though? They've got a list of doctors and drugs they want to make sure are covered. So if the non-profit benefit is too rich it attracts all the sick people and suddenly the operating costs of the non-profit skyrocket and they go out of business. It's a weird model that can't be AS good as the mission wants to be.

In my case the hospital system actually created a generic drug manufacturer themselves to undercut for-profit drug manufacturers. THAT was less daunting than trying to impact the insurance side any more than they already do.

Yep, my dad and I are currently working with a lawyer to get our documents in order for dual citizenship. Once one of us qualifies my son becomes eligible and we can more easily emigrate to an EU country.

This hurts my heart as an elder Millennial who took AP Civics in high school. We are failing the kids so completely...

I got on-the-job training to be a pharmacy tech at a Walgreens while I was in college. My state required that you be licensed at the national and state level, but it was just a test and some continuing education credits.

My current state doesn't require either, so the techs are definitely skewed younger. Thankfully I finished college and work elsewhere now so I can only guess at their ages but teenagers seems accurate.

Kindness has no place on the road. Follow the f$%^*%$ rules to prevent accidents.