I'm not a fan of insurance, but...

... it has it's place.

Being a heath care provider, I used to have this love-hate relationship with insurance. You know, it's one of those damned if you do and damned if you don't things. It seems you can't afford to be without insurance. But, you can't afford to buy it, either. Small business owners and those in life transitions seem disproportionately affected. So in many cases, folks just don't buy it.

Well, there's a time and place for everything. Health insurance is NOT about health. In fact, I think it often creates more health problems than it either prevents or corrects. Insurance really is designed to protect you from catastrophic and unforeseen events that could cause you irreparable financial harm if you're not prepared for it. In fact, most bankruptcies in America are caused by either a health problem or a legal problem.

Health insurance costs could be reduced dramatically if folks would simply understand that their health is THEIR responsibility. Lose weight, exercise, eat better, drink water, work on your spiritual life, do more with your family, find effective ways of reducing (or managing) the stress in your life and, of course, find a good wellness chiropractor.

Here's the point. A good friend of mine had a massive heart attack at his gym on July 4th. Fortunately, the General Manager of the LA Fitness where he worked out, knew CPR and how to use the emergency defibrillator. My friend is still alive, but in a coma in the local hospital. There's not yet a prognosis. Regardless of what the prognosis turns out to be, the medical costs are going to be astronomical. Because my friend was between jobs (and had been for some time) he was without insurance. If he recovers physically, he might never do so financially.

So, find a way to get even a ca strophic hospitalization policy to protect yourself and your family financially should something unexpected happen to you. While not a fan of insurance, I do understand that it protects you from extremes. You can keep the costs to a minimum if you just cover the extremes. But by all means, cover at least that.

Stay healthy. Say "I love you" to those you love. And NEVER take life for granted.