With the great controversy raging in the nation over what direction our health care system is going to take it is critical that we as individuals begin taking responsibility for our own wellness. If we don’t take personal responsibility for our own health we may end up relying on a government or private system that can not or will not be able to support our specific problems.

The current direction of our congressional leaders is to mandate that 20-30 million people who do not currently have health insurance must by law have health insurance or face a fine. Legislation is being drafted to mandate that insurance companies must make health insurance available to those individuals. There is currently a shortage of doctors and the addition of 20-30 million more people will surely result in rationing of care. Some states that have implemented such legislation, such as Massachusetts, are already experiencing unusually long waits to get an appointment with a doctor… Read the rest of this entry

In order to obtain the most affordable health insurance for yourself, it is important for you to understand how your premium is calculated. The rates for individual health plan depend upon many factors. You need to examine these factors in order to determine what you can control to reduce your investment cost…

In general, the rates of medical insurance are set by:

* Your Age

Many insurance companies will group people by age. For instance, the base rates for people within 30-34 years old will be much lower than those who are within 50-54 years old. Currently, those middle aged Americans are struggling hard to obtain low cost health plans.. Read the rest of this entry