A recent report indicated that the average health insurance company makes a whopping 2.2%.

Many think this is way too much...........

To read more click here: Health insurance makes 2.2%

Wendy Button who was once a speechwriter for John Edwards and Hilary Clinton recently got a taste of what she used to write about and believe in.

Ms. Button moved from DC to Massachusetts and her health insurance premium went from $225.00 a month to a whopping $550.00 a month. Why? Because they State of MA has the same health insurance system some want the rest of the country to buy into.

Think health insurance is expensive now.....wait until it's "free".

To read more about Wendy Button's story click here: MA health insurance affordable?

More and more employers are turning to HSA and HRA qualified plans.

Why?
Affordability.
Plans offer coverage at a high level to keep employees from bankruptcy.
Attractive to younger employees who generally are the hardest to convince they need affordable health insurance.

To read more on this subject click here: HSA's the way to go for some employers

One of the most challenging things facing our current health care system is the younger employee.
Many younger employees late teens to late 20's have a hard time justifying any cost related to medical insurance coverage. Quite simply....they don't think anything will happen to them, they are healthy, and they don't need it. Not for $5.00 a week and certainly not for $50.00 a week.

This puts a very big strain on the system. The current system needs the younger employees to be in the pool to offset the costs of the older and generally sicker employees.

To read more about the impact yourger employees have on affordable health insurance click here:Affordable health insurance for young employees

Many thought new legislation would help those now purchase affordable health insurance. But as like many other things the government does this may have an opposite effect and actually drive rates up.

Some but not all the reasons for this are:

All pre-existing conditions must be covered without have a real solution for making everyone purchase health insurance. We can't just cover the sick people when they need it hence higher premiums.

Out of pocket maximums set by the government. Even if you want to purchase a higher deductible health insurance policy to keep your costs down the government will not allow it. Hence...better coverage....higher premiums.

No real solution for those people trying to skirt the system. Fines of $750 for an individual that does not buy health insurance are less than an annual premium. Why buy?

To read more on this subject click here:Affordable health insurance maybe not?