If you want to spark a lively debate at your next dinner party or social gathering, just try bringing up the subject of health insurance. You will undoubtedly set off a firestorm of opinions. Years ago, acquiring your first health care coverage was almost a right of passage. You began your career and you were automatically enrolled in your employers health plan after your first 90 days of employment.

That still takes place today but the health care sector has grown into a huge industry with ever increasing resources and costs to meet demand and advances in medical technology and care. This results in Policy rates increasing at an astounding pace with the result that more employers are cutting back on their plans or doing away with their health benefit packages entirely.   More detail...