Trixie is back in daycare today after so far missing 3 out of 8 scheduled days due to stomach problems. That leaves quite a bit of room for improvement. No one passes out gold stars for a 63% attendance record. Our primary concern is for Trixie to feel better and enjoy her time at daycare, of course, but my next thought is, “What a waste of money!!”
Now, I don’t fault the daycare — we are paying to reserve the space whether or not it’s actually filled by a child every day. But the situation makes me think that there may be a market for daycare sickness insurance. You could pay a small premium to hedge against lost days. Or maybe it could even be set up like options where it’s tied to the calendar. Buying sickness calls at the beginning of the flu season cost more than in the middle of summer. Maybe they could even be traded in a daycare hedge market. Parents of healthy kids would make a killing as they sell off contracts to those whose children are setting new records in projectile vomiting. It might sound crazy now, but this time next year we’ll see Superbowl Ads — complete with CG talking babies — for DaycareHedge.com.