The frustration of many seems only to be getting louder, "My premiums are going up and my benefits are going down. How long will this go on?" There are several problems with the current medical insurance system. We’ve written out some of the solutions in these articles and work hard to help our clients chose the options that are best for them.

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1. Fund Your HSA to Cover Retirement Healthcare Costs (2007-11-12)
   Even if you do not need to, we recommend funding your account with the maximum allowed. If your HSA builds up it may help you cover any extra medical expenses during retirement.
   
   
2. How Medicare Works (2007-11-19)
   Many seniors look forward to saving on medical insurance costs by enrolling in Medicare at age sixty-five. However, navigating the Medicare system is not for the faint of heart. Medicare is an alphabet soup of plan choices. Currently Medicare is organized as parts A through D.
   
   
3. Medicare Medical Savings Account Plans (2007-11-26)
   Medicare Medical Savings Account (MSA) Plans are one of the newest Medicare Advantage Plan options. Private companies began offering these accounts in 2007. Like Health Savings Accounts, a Medical Savings Account puts you in control of your own health care dollars. If you are in good health and want to limit the maximum you would need to pay in a medical emergency, you may want to consider a Medicare Medical Savings Account plan during your retirement years.
   
   
4. Long-term care insurance is too risky and too expensive (2004-02-23)
   Usually it is not having insurance that is considered risky, but there are safer ways of protecting you and your family than insurance.
   
   
5. The Business of Being an Artist - Part 2 (2007-08-20)
   For those working in the arts, financial planning is artistic freedom. You can be an artist and also eat well if you don't avoid the subject of financial planning all together. After you have your cash flow and career planning in place, you also need to address your insurance and legal concerns.
   
   
6. Medicare Part D deserves an F (2005-11-14)
   Medicare’s prescription drug program debuts January 1, 2006, marking the largest government entitlement program since Johnson’s Great Society. Known as 'Medicare Part D,' the plan subsidizes prescription coverage for millionaire and destitute seniors alike. But, the pork spending and boondoggle regulations aren’t even half the problem. Part D may bring some prescription benefits to low-income seniors in the short-term, but the unintended consequences are guaranteed to make us all sick in the long run.
   
   
7. Seniors Face Six Month Deadline for Drug Coverage (2005-11-07)
   Medicare launches its prescription drug program on January 1, 2006. The plan offers subsidies to seniors who sign up for Medicare’s prescription drug insurance. Although enrollment begins November 15th, many seniors are still confused about the program.
   
   
8. Health Savings Accounts (2006-06-19)
   Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse, yet, to dump the coverage all together.
   
   
9. The Benefits of Canadian Drugs are a Pack of Lies (2004-10-11)
   Pressure is mounting on US lawmakers to allow the reimportation of prescription drugs sold to Canada. A recent study by Illinois officials claimed that the state could save more than $90 million dollars by buying prescription drugs for state workers and retirees from Canada. Nothing could be further from the truth.
   
   
10. Government Controls Endanger Homeland Security (2005-11-21)
    The threat of a bird flu pandemic and the shortages of ordinary flu vaccine reveal the failing health of the vaccine market. Some blame the pharmaceutical companies and demand tougher government controls, but it is this kind of misconception which landed us with the flu vaccine shortages in the first place.
    
    
11. Health Savings Accounts (2004-03-29)
    Insurance is best used to limit catastrophic risk, not pool everyday expenses. Therefore affordable medical insurance will have a high deductible. Out of pocket expenses below the deductible will provide sufficient negative feedback to prevent skyrocketing insurance costs.
    
    
12. The High Cost of Medical Benefits (2004-03-15)
    There are many ways to address the problem, but all of the solutions that will work involve negative feedback, and the best solutions unify payment, empowerment and benefit in the same individual.
    
    
13. The Five Most Important Documents to Have (2002-09-06)
    Communicating honestly about your finances with your family and putting your estate in order passes on a legacy of foresight and financial wisdom that will help generations to come.
    
    

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