Health insurance is becoming an increasing liability for Americans. More and more companies are cutting back on health benefits … especially for retirees. Retires need to pay in a larger amount for health insurance since many companies cut back on their health care benefits. For retires who spent 20 dollars a month for their portion of self-pay now have to pay over 500 per month.

Many Americans who do not work for the fortune 2,000 companies are without health insurance. Those mom and pop self-employed fare worst. They have to carry the whole load.

The best way is to pay out of the pocket for heath insurance to insure against catastrophic occurrences.