Chapter 6 - Why do you need health insurance?


As discussed in Chapter 5, amputees are fascinating. The thing that makes the situation with amputees so interesting is the fact that God treats amputees in such a consistent way. God never answers the prayers of amputees to restore their lost limbs. It is not like God occasionally regenerates a leg. God never regenerates legs spontaneously, even though he clearly has promised to do so in the Bible and has the omnipotent ability to do so according to the Standard Model of God.

Consistency is key. When we see that God consistently ignores the prayers of amputees, it is an important piece of data.

The meaning of amputees

In this chapter, I would like to suggest two conclusions that we can draw from the way that God treats amputees. These two suggestions may seem completely ridiculous when you first hear them. What I would ask, however, is that you give me one moment to explain.

Here is what God's treatment of amputees suggests:

As I said, I realize that this seems ridiculous. So let me lay out the whole argument for you with one simple question. The question is this: Simply think it through. If what Jesus says about prayer in the Bible is true, and if all the stories about medical miracles in inspirational literature are true, and if the cure of Jeanna Giese is true, and if your belief in God and the power of prayer is true, and if God has a plan for you, then why do you ever need to visit a doctor or go to the hospital? Why don't you simply pray for a cure whenever you get sick? In fact, why not pray preemptively every day -- "Dear God, I have faith that you will protect me from all illnesses today, Amen" -- and go through your life completely healthy?

The reason I ask this is because the statement that Jesus makes in Mark 11:24 is so simple:

So is what he says in John 14:14: There is this statement in Psalms chapter 41: In Mark 16, Jesus talks about the laying on of hands: But even more remarkable is James 5:15, where the Bible says: These are powerful verses. Keep in mind, according to the Standard Model of God, that these are the words of an all-powerful, all-knowing, perfect God. And James 5:15 is completely unambiguous. If these words are true and perfect, it seems like a faithful person should have no need for health insurance.

A conversation about God

What reason would a perfect God have for making false statements in the Bible? Yet, by owning health insurance, you demonstrate to yourself that something in these verses is amiss. You may find yourself in conversations like this:

I imagine that you can see the problem in this conversation. The problem is that we cannot trust God with something important like health care. God is completely random when he is "answering" prayers. That is why people need health insurance.

Praying for a cure

When people are sick, they often pray to God for a cure. This is especially true in the case of profound, life-threatening illnesses and chronic diseases. We've all heard the stories of amazing cures and medical miracles that have come through prayer. For example, here is a story from a housewife in Santa Monica:

If you subscribe to Guideposts magazine you can read a new story like this just about every month. Even big city newspapers and national magazines report on these stories now. The story of Jeanna Giese in the previous chapter is a perfect example of the process.

There are two questions that we should ask based on this story:

  1. Why did our housewife from Santa Monica need chemotherapy if God was going to cure her anyway? God is all-powerful, so his cure should be instant and free of side-effects.

  2. On the flip side, if "God's plan" were for her to have a hysterectomy, what point is there in her praying? God's plan comes from an all-powerful being and it is going to run its course no matter what we do. What good is it to pray in such a situation? (we will discuss God's plan in much more detail in Chapter 8)
If you think about these two questions and how they interact with each other, you will realize something important. If God exists, and if God answers prayers, and if God has a plan for each of us, then there is no point in ever visiting a doctor. Owning health insurance is a complete waste of money. The reason is easy to see: Either God will or will not answer any prayer for healing. If he does answer the prayer, there is no need for a doctor. If he does not, then God's plan is for you to be sick. Since God is omnipotent, no amount of doctoring will change the outcome of God's plan. Seeing a doctor is a waste of time.

Understanding Jesus

If you are a believer and if you have your Bible nearby, we can look at your health care policy from another angle. Turn to Matthew 6:25-34. Jesus says:

Jesus' statement is utterly clear: "Therefore do not worry about tomorrow, for tomorrow will worry about itself." Yet health insurance is a physical manifestation of worry. You buy health insurance because you are worried about your health tomorrow.

The question to ask yourself, therefore, is simple: If you are a believer, why you need health insurance? Or, for that matter, car insurance, life insurance or home owner's insurance? Why are you worrying about your health in the future when: A) Jesus has told you specifically not to worry (Matthew 6:34), and B) Jesus has promised to cure any illness that arises (James 5:15)? In addition, why are you worrying about money, which is what health insurance is all about, when in Matthew 6:19 Jesus specifically says:

In Matthew 19:21 Jesus goes even further, telling you to sell everything and give the money to the poor. Obviously he intended for you to give up your health insurance policy and give its monthly payment to the poor as well.

And then there is Poverbs 3:5-8:

Why do you own a health insurance policy when you are supposed to be putting your trust in the Lord, who will bring health to your body?

Everything the Bible says is very clear. Why are you ignoring everything that it tells you to do?

Here is a possibility for you to consider. Is it possible that you are completely ignoring the Bible because, in your heart, you know that God is imaginary? What other reason is there for you, as a believer, to ignore him so profoundly by owning health insurance?

A hidden God

What may be running through your mind right now is the following: "You do not understand God at all. God must remain hidden. If he answered our medical prayers, it would destroy faith. That is why we need doctors." As discussed in the last chapter, this argument has several problems:

Another common explanation that you might hear is, "God is not a gumball machine. He is under no obligation to answer prayers. God helps those who help themselves. Therefore, when you get sick you go to a doctor. That is what God demands that we do." See Understanding the gumball machine for details on this line of reasoning.

What if, instead of assuming that God is trying to hide or that God is refusing to be a gumball machine, we assume that God is imaginary?

Understanding reality

Let's simply look at an example. Imagine that the rate of remission for some particularly nasty type of cancer is 5%. That means that if 20 people get this type of cancer, it is almost always fatal. Only one in 20 of the people who get the disease will survive. Knowing this, you can see the reality:

The fact is, people who pray die from this disease at exactly the same rate as people who do not.

We can see the reality of this situation simply by opening our eyes. But we do have to open our eyes -- We have to look at both the successes AND the failures of prayer to see the reality of our world. When we take a scientific approach and we do look at both sides, we see what is really happening.

When a prayer is answered, what is happening? It is nothing but a coincidence. We know this without a doubt in two different ways:

You can pick any disease. If you analyze both the successes AND the failures of prayer, you will find the same thing. It does not matter how many people pray, how often they pray, how sincere they are or how devout and worthy the patient is. It simply is a fact that, statistically, God ignores all medical prayers. Plenty of scientific studies confirm it, as shown in this article:

See also this page.

Yes, there are people who do pray and live, and their stories sound convincing. But the only reason that they sound convincing is because the millions of people who pray and die never get to tell their stories.

Revisiting Jeanna

What about the miracle of Jeanna Giese discussed in Chapter 5? Didn't God interact with her body and miraculously cure her rabies because of her gigantic prayer circle? How did that work? It worked because, if Jeanna had died, the story of her prayer circle never would have appeared in the paper. People do assemble gigantic prayer circles that fail. It happens all the time. But you never hear about them, so it appears that prayer circles always work.

How can we know, for sure, that Jeanna's prayer circle was a coincidence? Let's assume that it was Jeanna's prayer circle that did cure her. Millions of people prayed, God heard the prayer and God actually did cure Jeanna. In that case, the prayer circle missed an incredible opportunity. What the prayer circle prayed was this:

What they could have prayed is this: This second prayer would have cured Jeanna, and it would have also helped countless other people and animals around the world. It would have ensured that no one, ever again, would be afflicted with rabies.

Even if you believe in God, I think we can agree that the second prayer would not work. We know that with certainty. It is obvious from the evidence that we see all around us. If the second prayer ever worked, then people would have prayed every disease into extinction centuries ago.

Why doesn't the second prayer work? If God actually did answer Jeanna's prayer, why would he not answer the broader prayer as well? I believe that we all know the answer to that question, even if many of us are not willing to admit it consciously. The second prayer does not work because the first one did not work either. The simple fact is that God does not answer medical prayers and Jeanna's cure was a coincidence. The statistics prove it every time.

The evidence all around us

If prayer worked as promised by Mark 11:24 and James 5:15, people would not need doctors. We could get down on our knees and pray to God in this way:

Instead, what we see in our world is this: In other words, what your common sense tells you, and what statistical analysis of disease and prayer tells you, and what the overwhelming evidence in the world all around us tells you, and what your own personal health insurance policy tells you, is that God does not answer medical prayers.

If prayer did work, then both your hospital and your insurance company would have a Department of Prayer, and they would have employees praying feverishly day and night. Hospitals and insurance companies want to save lives and save money just as badly as you do. If prayer worked, corporations would be using it every day without hesitation.

The response to all of this evidence often is, "You are wrong! God can't answer my prayers. If he did, it would take away my free will to believe in him! God must remain hidden." This is the same thing as saying, "God does not answer prayers." If God cannot answer your prayers because it would take away your free will, then God cannot answer any prayers.

You can elicit this response quite easily, as seen in the following conversation:

How can it be that God is answering millions of prayers, yet it is impossible for God to answer a prayer? It is because all of those "answered prayers" are simply coincidences. Let's look at another example and you will see what I mean...

<<< Go to Chapter 5     |     TOC     |     Go to Chapter 7 >>>