Seven in ten adults who have been driven into debt by medical expenses had Insurance at the time. 42.5 million people in insured households have paid 10%, on the average, of the family's net income in medical expenses. They are too well-off to qualify for government programs that support the poor, while not nearly affluent enough to pay their health bills without wrecking the family finances so America's underinsured are caught in a Catch- 22.The system is broken at every link along the chain and there is no rescue in sight. From companies whose soaring medical costs force them to push more and more of the expense onto the people working for them, insurers who protect profits by raising premiums and restricting coverage and doctors who can't keep up with the skyrocketing costs of malpractice insurance and the burdensome paperwork that some carriers require, it just keeps getting worse. Employer-sponsored health insurance plans for family coverage are rising three times faster than the average paycheck and more than twice the rate of inflation so what can the average person do so that they can be assured that they will have some help when they need it?

There are many Affordable Insurance Companies that are willing to listen to you and your concerns. Also, for those that have special needs, there are health plans especially for that. Affordable is the Word for most of us ---- and trying to find insurance for a whole family can be can be intimidating and a bit scary.

Do not let any insurance agent talk you into a Plan that looks and sounds good, but one that you cannot afford and will only cause problems for you later. Listen very carefully and only get the insurance that you need and that will cover all you need for you and, if applicable, your family. If you are insured through your company, make sure that you have all the paperwork and understand your policy to the tee. You are the one in charge, so research the different insurance companies, ask the questions and pick the right one for you.