A criticism often heard about commercial health insurance is that the industry does not keep up with market changes and consumer needs.

What consumers have to understand is that health insurance needs to be shopped and purchased in the same fashion as cars, dish washers and auto insurance. In the past, most people did not look at health insurance in this way. Comparing products, costs and benefits from one company to the next is largely what brings us to affordable decisions.

Red wine -- we’ve all heard it can be healthy for us in moderation.  Studies have shown for years now that red wine lowers heart attack for people in middle age by thirty to fifty percent, also preventing additional heart attacks for those who have already suffered one.

Other studies indicate red wine can raise HDL cholesterol (the good cholesterol) and prevent LDL cholesterol (the bad cholesterol) from forming.

What would you and your spouse or family members do if you suddenly faced a six month recovery period from an unexpected illness or injury?  What if that recovery time meant needing hour by hour care to function?  

Did you know that 1 in 2 people in the United States will need either nursing home care or in-home health care at some point their lives?