Protecting yourself and your family from the high costs of health care without sacrificing quality has never been more difficult, complex or risky.  If you are like most people, the days of employer-sponsored health insurance plans that allowed you to select physicians who were free to exercise their unfettered professional judgment while treating you to the best of their ability have become a thing of the past.  Chances are, you are now faced with an increasingly complicated set of options that most often discourage you from going to the physician of your choice, or building the type of highly-personal doctor/patient relationships you've become accustomed to, or having access to the full range of state-of-the-art medical treatments. And, most probably, you are reading this because you are unhappy with the options you seem to have that limit your choices.

  The next few pages will attempt to explain the forces that brought about this abrupt change in the way we care for ourselves, the currently available options (along with their advantages and disadvantages) for health insurance, and how you can best assure access to the finest possible medical care. If, however, you wish to skip the history and go directly to the solutions available, click on Point-Of-Service Plans.

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