Health care costs are high, and getting higher.  Having families ourselves, we have first hand experience with these concerns. For example, who will pay your bills if you have a serious accident or a major illness?  If you have insurance, many of your costs are covered by a third-party payer, not by you.  A third-party payer can be an insurance company or, in some cases, it can be your employer.  We can provide insurance to fit your personal needs.