The National Flood Insurance Program (NFIP) is in deep financial trouble. Rates have not been calculated based on sound actuarial principals. – The solution (according to FEMA), stop subsidizing premiums on flood-prone properties that file the kind of large claims — sometimes repeatedly — that have left the National Flood Insurance Program in the red.

Obamacare, The Affordable Care Act (ACA), is headed for deep financial trouble. Rates have not been calculated based on the true actuarial assumptions which healthcare costs will be subjected; i.e. underwriting is limited to age, geography, family size and tobacco. – The solution, stop subsidizing premiums for attainable health measures. – How? Allow underwriting based on “wellness,” i.e. Are you controlling your controllables; blood pressure, cholesterol, BMI, smoking/nonsmoking, blood sugar levels?