Today I handed in my health insurance paperwork at work. Another year, another increase in costs and decrease in overall benefits. Actually, I shouldn’t complain. My company has done an exceptional job of keeping benefits intact this year. I mean, we are switching providers for the 5th or 6th time in 8 years, but that seems to be par for the course.

It seems the varies insurance carriers will low-ball a company to get them on board, and then jack the plan rates in the second or third year. So what happens? The company goes looking for the next carrier. Wow, that seems like a good use of resources, huh?

With all these second and third rate b-school graduates out there, hasn’t anyone figured out that long-term customer retention is pretty much a requirement for successful businesses? And customer churn is the kiss of death? Don’t they teach that in business school or do they spend all their time doing trust falls and discussing the manufacture of widgets?

Seriously, we are being crippled by insurance. Health insurance, unemployment insurance, business insurance, disability insurance, property insurance, auto insurance. I think I saw an ad for insurance insurance the other day. It protects you from insurance when your insurance is not properly insured. Or something.