Mateo comes down with an ear infection and Jonah comes up with an idea to create a store insurance policy. Originally, the store raised money for medical bills by putting a donation jar out for customers to donate spare change. When Jonah realizes that takes a lot of work, he proposes creating a pool of funds from the employees and have them contribute monthly to cover someone’s bills. Unfortunately, he’s created a semi-pyramid scheme that requires individuals to donate money to help one individual.
After a coworker comes down with an ear infection, the team members decide to try and raise money to help cover the costs of medicine. Jonah decides to come up with a group health plan where each member donates money from their check and then covers the medical costs of store members whenever the become sick. Amy sarcastically points out that this is basically what health insurance is meant to do.
Joey loses his health insurance from SAG because he hasn’t been working enough jobs. He laments to Chandler that he now has to be more careful until he gets enough interviews to qualify again. The next day Joey gets a hernia, but won’t go to the hospital because he can’t afford. He tries to do a few different auditions with the hernia, but none of them really work in his favor.
In this episode, at work Homer is required to participate in an exercise class. He learns that if he is considered disabled that he will not have to participate in the class. He looks up ways to be considered disabled and finds that being over 300 lbs. makes him disabled. He’s now incentivized to become obese and not have to participate in the class when most people try to avoid becoming overweight.
Thanks to Brooke Bauman for the clip!
Squidward loves Krabby Patties and starts overeating. He can’t control himself, but Spongebob comes knocking, but it’s too late. The Krabby Patties have gone to Squidward’s thighs and then he blows up.
Thanks for the clip Savannah Barry!
The Onion takes a satirical look at social security reform by proposing that Americans become riskier and try to die earlier so that there’s more money left in the system for those that survive. They also recommend increasing taxes on items that could save people.
Charlie decides to start smoking in the mailroom because it’s a stressful job and the cigarettes help him calm down. He rationalizes it that it’s okay to do something so risky because he has health insurance. In economic terms, health insurance creates a moral hazard because Charlie is only smoking because he knows he has insurance and he wouldn’t be as risky without it.
Evelyn Couch (Kathy Bates) is waiting on a parking spot, but a car jumps in front of her. Her parking lot rage gets a bit heater and she decides to drive into the parked car since she assumes she has more insurance than they do. If she didn’t have that insurance, she probably wouldn’t have been so reckless.