Why Health Insurance Was Invented

We spend a lot of time complaining about health insurance today. Patients hate the premiums, doctors hate the paperwork, and hospitals are constantly fighting over what gets covered. We act like the system is broken, but we’re missing the bigger picture. We assume insurance has always been the standard, but for most of our history, it didn’t exist. It didn’t exist for a simple reason: nobody needed it.

Before the 20th century, if you got sick, the doctor came to your house. They’d look you over, try whatever they could, and you either got better or you didn't. There were no ICUs, no ventilators, and no complex surgeries. Because medicine couldn't do much, it didn't cost much. It was a personal expense, just like groceries. Hospitals weren't treatment centers back then, either; they were mostly places you went to die.

Everything shifted in the early 1900s. Medicine finally started to actually work. We got X-rays, blood transfusions, and better anesthesia. Joseph Lister’s antiseptic techniques changed everything. Hospitals transformed from dying rooms into hubs of life-saving technology. But those advances brought a new reality: high costs. By the 1920s, a hospital stay cost twice as much as it had twenty years before. Hospitals were building new wings and buying fancy tech, but they had a huge problem. They were running on a pay-as-you-go model, and they were lucky to collect 60 cents on every dollar they billed.

Then 1929 hit, and the Great Depression made everything worse. The money dried up, but the patients kept coming. That’s when a guy named Justin Ford Kimball stepped in. He wasn't a doctor; he was a former school superintendent managing Baylor University Hospital’s finances. He noticed teachers were landing in the hospital with huge, unpaid bills they couldn't afford on a teacher's salary. Kimball didn't want the hospital to eat those losses, but he knew the teachers were tapped out. So, he made a deal: if every teacher paid 50 cents a month—six dollars a year—the hospital would guarantee them a set number of hospital days if they got sick.

It worked perfectly. It kept the hospital's revenue steady and gave the teachers peace of mind. It even changed patient behavior because people stopped waiting until they were half-dead to seek care. Other hospitals caught on and copied the model. Before long, these plans all unified under a name you definitely know: Blue Cross.

We need to stop looking at health insurance as some ancient, unchangeable institution. It was a financial hack born out of a desperate crisis. What’s ironic—and what most people forget—is that the American Medical Association and a lot of doctors actually hated the idea at first. They were terrified of third-party interference and wanted to keep medicine a direct, personal transaction between doctor and patient. But once the genie was out of the bottle, it never went back in.

We love to blame insurance companies for the cost of medicine, but the reality is that modern medicine created the insurance industry. Without the high-tech, expensive advancements of the early 20th century, there wouldn't have been a reason to invent this system. When you actually look into it, you realize things aren't the way they are because they’re perfect. They’re the way they are because someone faced a problem and tried to solve it—even if that solution ended up creating the mess we’re dealing with today.

When Dad Stops Being the Entertainer

One of the things I've noticed this summer is that my role as a dad is changing.

When my kids were little, I was the entertainer. Every summer I was looking for things to do with them. We'd go to the beach, the pool, playgrounds, Silver Lake, visit my parents, or just find something to get us out of the house. I genuinely enjoyed it. Looking back, some of my favorite memories are simply spending time with my kids.

Now my daughter is seventeen. This summer she's already gone to four different camps, and she has another one coming up. Half the summer is already over, and she's busy living her own life. Today she finally had an afternoon without anything planned, so I texted her and asked if she wanted to go to the pool.

A little while later she replied, "Dad, can I go to a movie at four with my friends?"

What struck me wasn't that she wanted to go to the movie. It was that she hadn't even seen my text because she had been talking with her friends. She was completely absorbed in her own world.

And I thought, that's exactly what a seventeen-year-old is supposed to be doing.

It made me realize that I don't really have to entertain her anymore. That chapter is coming to an end. Instead of being the entertainer, I'm becoming home base. I'm the person she checks in with before she goes somewhere. I'm the place she comes home to afterward. That's a different role than I had ten years ago, but it's not a bad one.

Sure, there's a little sadness in it. I miss the little girl who always wanted to spend the day with Dad. At the same time, I'm happy for her. She's making friends, she's becoming independent, and she's building a life of her own. That's exactly what I've wanted for her all along.

The funny thing is, this change gives me something too. I have more time to work on projects that I've put off for years. I'm writing my memoir. I have more time to spend with friends. I have time to pursue interests that were harder to fit into life when my weekends revolved around entertaining the kids.

Every stage of parenting has been enjoyable in its own way. I loved being the entertainer. I think I'm going to enjoy being home base too.

When the Chart Lies: The Absurdity of Modern Medical Coding

The doctor looked at me and said, "This patient does not have hypoxemic respiratory failure."

"That's not true," I replied.

The doctor looked confused. I wasn't disagreeing with his medical opinion; I was disagreeing with reality. Because in modern healthcare, it doesn't really matter what the doctor thinks. It matters what ends up in the chart. And somehow, despite the physician examining the patient, reviewing the labs, and making the diagnosis, the patient will probably leave the hospital with "hypoxemic respiratory failure" listed on the final coding summary anyway. Welcome to healthcare in 2026.

As a respiratory therapist, I was taught that respiratory failure actually meant something. There were criteria, definitions, and evidence. If a patient was hypoxemic, that didn't automatically mean respiratory failure. Failure of oxygenation is failure of oxygenation—it is not failure of ventilation, it is not failure of respiratory drive, and it is not failure simply because someone put the patient on two liters of oxygen. Yet, somewhere along the way, we created a system where nearly every patient who needs a light breeze of oxygen is apparently suffering from a catastrophic failure of their respiratory system.

It’s a bizarre dance. A patient comes into the ER. Pulse oximeter says 88%. The nurse applies two liters via nasal cannula. Pulse oximeter now says 94%. The patient is sitting comfortably in bed, talking about the Detroit Tigers.

Doctor: "Mild hypoxemia." Coder: "Acute hypoxemic respiratory failure." Doctor: "No." Coder: "Yes." Doctor: "The patient is stable." Coder: "Respiratory failure." Doctor: "They're watching baseball." Coder: "Respiratory failure."

At some point, the diagnosis stopped belonging to the people actually caring for the patient.

The absurdity doesn't stop there. The same thing happens with pneumonia. A patient comes in coughing. Do they have pneumonia? Nobody knows. Chest X-ray is normal. No infiltrate. No fever. No positive cultures. No convincing evidence of infection. So what’s the diagnosis? Community-acquired pneumonia. Or my favorite: "walking pneumonia." I’ve often joked that "walking pneumonia" means the patient isn’t sick enough to look like they have pneumonia, but we’re going to call it pneumonia anyway.

Doctor: "The chest X-ray is negative." Me: "So they don't have pneumonia?" Doctor: "Correct." Me: "Then what's causing the cough?" Doctor: "I don't know." Me: "So what do we call it?" Doctor: "Community-acquired pneumonia."

Medicine becomes much easier when we stop worrying about whether the patient actually has the disease. The same thing happens with COPD. A patient who never smoked, has no pulmonary function testing, and no evidence of fixed airway obstruction suddenly has COPD because they wheezed. Asthma? Sure, why not. No testing, no demonstration of reversible airway obstruction, no methacholine challenge—but they wheezed once in 1997. Good enough.

The real problem isn't just the diagnosis itself; it’s what happens afterward. Every diagnosis gets counted. It enters the statistics. It becomes part of the data. Researchers count it, government agencies count it, and hospital quality programs count it. Future providers see it and repeat it.

This isn't just an administrative annoyance; it creates a dangerous medical history. When a patient leaves the hospital with a diagnosis of "respiratory failure" that they never truly had, that label follows them like a digital shadow. The next provider—perhaps an urgent care clinician or a specialist—sees that diagnosis in the electronic health record and assumes it’s fact. It triggers a cascade of unnecessary monitoring, redundant testing, and potential medication adjustments based on a phantom illness. We aren't just inflating statistics; we are polluting the patient’s clinical record with misinformation that can cloud judgment for years to come.

Soon, the data shows more respiratory failure, more pneumonia, more COPD, more asthma, and more diabetes than may have actually existed. Then we wonder why healthcare statistics seem so detached from reality. The diagnosis becomes true simply because somebody typed it into a computer.

The crazy part is that I don’t really blame the doctors, the coders, or even the hospitals. The system rewards it. Government regulations, reimbursement formulas, quality measures, audits, and documentation requirements have created a world where uncertainty is unacceptable. "I don't know" isn't a billable diagnosis. "Mild hypoxemia without respiratory failure" doesn't fit neatly into the boxes. "Shortness of breath of uncertain cause" doesn't fit neatly into the boxes. The system demands a diagnosis, so a diagnosis appears. Everyone follows the rules. Everyone checks the boxes. Everyone documents appropriately. And somehow, the patient ends up with diseases they never actually had.

So, when a physician tells me, "This patient does not have hypoxemic respiratory failure," and the chart later says they do... who am I supposed to believe? The doctor, or the computer?

Because these days, I’m not entirely sure the doctor gets the final vote.

The Two Paths

Lately I've been thinking about life as two paths.

Not two perfect paths. Not good versus evil. Not healthy people versus unhealthy people.

Just two roads that most of us travel back and forth between.

Path #1 is the health path.

You don't have to be a fitness model to be on this path. You don't have to spend two hours a day in the gym. You don't have to count every calorie or refuse a piece of birthday cake.

You simply make health a priority.

You exercise regularly. You move your body. You try to eat reasonably well most of the time. You get enough sleep. You take your medications. You pay attention to your weight instead of pretending the scale doesn't exist.

You can still have a drink. You can still enjoy pizza. You can still have dessert. The difference is that those things are occasional passengers in the car, not the ones holding the steering wheel.

Path #1 isn't always exciting. In fact, some days it's downright boring. Nobody gets excited about going for a walk, drinking water, or getting on the elliptical for fifteen minutes.

But over time, Path #1 usually leads to more energy, better health, a healthier weight, and a longer, more active life.

Path #2 is the neglect path.

Exercise becomes something you'll start tomorrow.

The drinks come easier. The portions get larger. The naps become more frequent. The walks become less frequent. The scale slowly moves in the wrong direction.

As a respiratory therapist, I've spent nearly thirty years taking care of patients suffering from the consequences of Path #2. Smoking. Obesity. COPD. Heart disease. Diabetes. Sleep apnea. High blood pressure.

The problem with Path #2 isn't that it's miserable.

The problem is that parts of it are actually very enjoyable.

The extra drink is enjoyable.

Skipping the workout is enjoyable.

The cheeseburger tastes good.

Sleeping in feels great.

That's why the path is so seductive.

Path #2 asks for very little today, but quietly takes a lot from you tomorrow.

One drink becomes two.

Two become four.

A missed workout becomes a missed week.

A few extra pounds become fifty.

The road feels smooth at first, but the farther you travel down it, the harder it becomes to turn around.

As I write this, I know exactly which direction I've been heading.

I'm overweight. I don't exercise as much as I should. I enjoy alcohol more than I should. I've spent years telling myself that tomorrow will be the day I get serious again.

The frustrating part is that I know what Path #1 feels like because I've been there before.

Years ago, I followed the Body-for-Life program and got into some of the best shape of my adult life. I exercised consistently. I ate better. I felt better.

I know what that version of me looks like.

The problem isn't knowledge.

The problem is making the turn.

Because life isn't really about choosing one road forever.

Every day is a series of turns.

A workout is a turn toward Path #1.

A walk is a turn toward Path #1.

Choosing not to have that extra drink is a turn toward Path #1.

Ignoring your health is a turn toward Path #2.

The good news is that no single decision permanently puts you on either road.

You can make a bad choice today and a better one tomorrow.

You can spend years heading in the wrong direction and still turn around.

And maybe that's the lesson I've been trying to remind myself of lately.

The goal isn't perfection.

The goal is simply to make more turns toward the life you want than the life you don't.

As respiratory therapists, we care for people from both paths.

We've all seen the lifelong fitness enthusiast who exercised regularly, maintained a healthy weight, never smoked, rarely drank, and seemed to do everything right—yet still became ill. Life doesn't guarantee outcomes, no matter how carefully we live.

But we also care for many people who have spent years drifting down Path #2. Some smoked. Some drank heavily. Some stopped exercising. Some gradually gained weight. Others simply became overwhelmed by life and let their health slide further and further down the priority list.

The lesson isn't that Path #1 guarantees perfect health or that Path #2 guarantees disease. Life is more complicated than that.

The lesson is that while we can't control everything that happens to us, we can influence the odds. Every healthy choice nudges those odds in our favor. Every unhealthy habit nudges them the other way.

As therapists, we see the consequences of both chance and choice every day. That's one reason I keep reminding myself that health isn't about perfection. It's about making more turns toward Path #1 than Path #2.

Morphine Nebulizers Show “Remarkable Impact” on Hospital Atmosphere, Early Reports Say

Hospitals across the country are reporting a noticeable shift in unit atmosphere following the quiet introduction of aerosolized Morphine therapy, commonly referred to as “morphine nebs.”

The treatment, which began as a conceptual extension of earlier “Ativan neb” programs, was initially explored as a way to address severe dyspnea and patient discomfort. What administrators did not anticipate, however, was the broader impact on staff workflow and overall unit tone.

“We were focused on patient comfort,” said one hospital director involved in a pilot program. “What we found was that the entire environment changed. Patients were more at ease, families were calmer, and the number of urgent pages dropped almost immediately.”

Patients receiving the treatment described a sense of relief that extended beyond breathing alone.

“It wasn’t just that I could breathe better,” said one patient recovering from advanced lung disease. “It was that I didn’t feel like I was fighting anymore. Everything just… slowed down.”

Respiratory therapists say the change has been noticeable from the moment treatments began.

“Before, we were running from room to room,” one RT said. “Every call was ‘short of breath,’ whether it was bronchospasm or not. Now, when it’s appropriate, we’re addressing the discomfort directly. The difference is obvious.”

Nursing staff report similar observations.

“You walk onto the floor and it just feels different,” one nurse said. “Less tension. Fewer alarms. Fewer call lights going off every five minutes. You actually have time to think.”

Family members, often a source of concern and anxiety during hospital stays, have also responded positively.

“I used to feel like something was wrong all the time,” said one patient’s daughter. “Now I can sit here, and he looks comfortable. That changes everything.”

Some facilities have noted an unexpected secondary benefit: a reduction in non-urgent respiratory therapy consults.

“We’re seeing fewer ‘just come check on them’ calls,” one administrator said. “It turns out that when patients are comfortable, a lot of those concerns resolve on their own.”

Not everyone is convinced. Critics emphasize that morphine is not a bronchodilator and does not treat underlying pulmonary pathology.

“This is not a replacement for appropriate respiratory care,” one physician noted. “It’s a comfort measure. It has a role, but it needs to be used thoughtfully.”

Facilities participating in these programs stress that point as well.

“We’re not treating bronchospasm with morphine,” said Dr. Pierce. “We’re treating distress. And those are not always the same thing.”

For respiratory therapists, the shift has been both practical and philosophical.

“It forces you to think about what you’re really treating,” one RT said. “Is it the lungs, or is it the experience the patient is having?”

Early data remains limited, and further study is expected. Still, hospitals involved in the rollout say the initial results have been hard to ignore.

“It’s calmer,” one nurse said simply. “That’s the best way to describe it.”

As one respiratory therapist summarized, “When the patient is comfortable, everything else tends to fall into place.”

Trust Us, But Don't Trust Us

The Neonatal CPAP Paradox of Regional Hospitals

One of the biggest frustrations in modern healthcare isn't usually the patients. It's the policies.

When I first started working as a respiratory therapist, our small-town hospital was remarkably self-sufficient. We handled most of what came through our doors. If a newborn needed respiratory support, we had equipment and staff capable of stabilizing that baby while decisions were made about the next step.

Then healthcare changed.

Hospitals merged. Systems grew larger. Decisions increasingly came from people sitting in offices hundreds of miles away. Some of those changes were good. We got better equipment, better pay, and renovations that never would have happened if we had remained independent. I have no problem admitting that.

But some decisions still leave me scratching my head.

One of the first things the experts at the larger hospital did was take away our neonatal ventilator.

The reasoning, as I understood it, was that we didn't have enough neonatal volume, enough specialists, or enough physician coverage to safely manage those babies long term. Fair enough. I can understand that argument even if I don't completely agree with it.

The practical result, however, was that whenever a newborn needed respiratory support, we often found ourselves standing at the bedside with a NeoPuff, manually holding a mask on the baby's face while waiting for the transport team.

Sometimes we waited an hour.

Sometimes two.

Sometimes longer.

I have personally stood there for up to four hours holding a mask on a newborn while waiting for the "baby buggy" to arrive.

Over the years, staff repeatedly asked about neonatal CPAP equipment.

The answer was always no.

We were told we weren't set up for that level of care. We didn't have the experience. We didn't have the specialists. We didn't have the support structure.

Again, fair enough.

Then one day we got neonatal CPAP equipment.

Problem solved, right?

Not exactly.

The new policy was that we could put the baby on CPAP—but the respiratory therapist still had to remain at the bedside the entire time.

At which point my confused little respiratory therapist brain started asking questions.

For years, we were told we couldn't do CPAP.

Now we can do CPAP.

But we still can't leave the room.

So what exactly changed?

If we were not qualified to manage neonatal CPAP before, why are we qualified now?

And if we're qualified now, why does the RT still have to stand there continuously?

The whole thing feels like one of those workplace situations where a problem is solved and not solved at the same time.

It's a little like being told you're not trusted to drive a car, so the car is taken away. Ten years later you're handed the keys back, but you're informed that a supervisor must remain in the passenger seat at all times and you're not allowed to leave the driveway.

Technically, you have a car again.

Practically, nothing has changed.

To be fair, I'm sure there are policy reasons, liability reasons, accreditation reasons, and administrative reasons behind every one of these decisions. Somewhere there is probably a committee meeting and a three-inch binder explaining it all.

But from the bedside, where respiratory therapists actually take care of patients at three o'clock in the morning, it can feel a little absurd -- a lot absurd.

And healthcare is full of those moments.

The people writing the policies believe they're simplifying things.

The people following the policies are often left wondering if anyone noticed how complicated they just made them.

Ativan Nebulizers Bring Unprecedented Calm to Hospital Units

March 2026 — Ativan Nebulizers Gain Widespread Acceptance in Hospitals Nationwide

Hospitals across the United States are reporting unexpected results following the quiet rollout of aerosolized Ativan treatments, commonly referred to as “Ativan nebs,” a therapy that was once dismissed as impractical and controversial.

Originally proposed more than a decade ago in a niche respiratory therapy blog post dated January 5, 2012, the idea has since gained traction in select facilities seeking alternative approaches to managing patient distress.

Administrators say the shift began as a pilot program aimed at reducing unnecessary use of Albuterol for non-bronchospastic conditions. What followed, according to early reports, was a noticeable change in patient behavior—and staff morale.

“We weren’t expecting this,” said Dr. Alan Pierce, a pulmonologist involved in one of the early trials. “We thought we were just addressing anxiety in dyspneic patients. But what we saw was a broader effect. Patients were calmer. Units were quieter. Even staff interactions improved.”

Patients who have received the treatment describe a markedly different experience.

“I used to hit the call light constantly,” said one patient recovering from pneumonia. “I felt like I couldn’t catch my breath, even when they said my numbers were fine. After the treatment, I just… relaxed. I finally slept.”

Another patient, admitted for what was described as “vague shortness of breath,” reported similar results. “I don’t remember much after the treatment,” he said. “But I remember not caring as much. And that helped.”

Respiratory therapists, often tasked with administering frequent nebulizer treatments, say the change has been significant.

“Before this, we were giving albuterol for everything,” said one RT who asked to remain anonymous. “Wheezing, no wheezing, doesn’t matter. Now, if it’s clearly anxiety-driven, we have another option. I’m not running back to the same room every two hours for the same complaint.”

Nursing staff have also reported improvements.

“You walk into a room during one of these treatments, and the whole atmosphere is different,” said a medical-surgical nurse. “The patient is calm. The family is calm. I’m calm. It’s… unusual, but in a good way.”

Some hospitals have noted an unexpected secondary effect: reduced call light usage.

“We didn’t set out to study that,” said a hospital administrator. “But the data speaks for itself. When patients are more relaxed, they simply request less.”

Not everyone is convinced. Critics point out that aerosolized benzodiazepines do not address the underlying causes of respiratory conditions and may carry risks, particularly in vulnerable populations.

“These medications were never intended for this route of administration,” said one pharmacologist. “There are valid concerns about sedation, respiratory drive, and unintended exposure to staff.”

Those concerns are acknowledged by facilities using the treatment, though many say the benefits have been difficult to ignore.

“We’re not replacing traditional therapies,” Dr. Pierce said. “We’re expanding how we think about symptoms. Not every complaint of shortness of breath is bronchospasm. Sometimes, it’s fear.”

For respiratory therapists on the front lines, the change has been more practical than philosophical.

“It’s simple,” one therapist said. “If the patient is calm, everything else gets easier.”

Researchers say further study is needed, though interest in the therapy continues to grow. Several institutions are reportedly exploring variations of the approach, including controlled environmental exposure systems in high-stress units.

Meanwhile, staff at participating hospitals describe a subtle but noticeable shift in daily operations.

“It’s quieter,” one nurse said. “You don’t realize how loud and tense things were until they’re not.”

As one respiratory therapist put it, “We spent years treating numbers and lung sounds. This is the first time it feels like we’re treating the whole situation.”

Whether Ativan nebulizers represent a lasting change in respiratory care remains to be seen. For now, hospitals experimenting with the approach say they are encouraged by the early results—and the calmer atmosphere that seems to follow.

Further updates are expected as additional data becomes available.