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The Driving Force Financial and Insurance Network wants to help out with something we have seen increasingly troublesome. Everyone knows we have health care on the way through the P.P.A.C.A. or what is more commonly known as "Obamacare". Many of us have seen the costs of health care insurance increase over time dramatically.

How expensive health care is usually the first thing I hear when I am speaking to someone or I am helping them out with information for someone whom called to inquire about coverages available on my multicarrier insurance exchange websites. The sad fact is most people are expecting the law to level off or lower costs to healthcare insurance.

This is what we all have been led to believe, it is the major selling point we have been given.It is seriously in doubt by many. Yes a healthcare plan was sorely needed for all of those poor unfortunate people who have existing conditions. This law will also help those who are are not always financially capable of keeping up with or covered by insurers. It will also be the law to cover everyone in 2014 or suffer penalties which will truly be expensive. The main point I want everyone to ponder was brought recently to my attention quite clearly. Do you really believe health care costs are going to stabilize with that many more in healthcare pools of insured? If costs have been going up due to more advanced technology and newer methods of medicine for people to live longer How will these advancements continue to be paid for? Unbiased think tank estimates put that out at least 5 to 10 years from now. Yes larger numbers in groups will lower costs according to estimates by actuarians.

Insurers have operated under this method for decades. Here though the circumstances are quite different to start out with. You cannot possibly expect more people to live longer that also may already be worse off in their health condition to keep your health care costs level or lower? The sad fact is everyone expecting this miracle of healthcare from the government to be the magic elixir to solve the ailing American public with a group of severely ill or chronic patients who have been refused health care insurance.

We simply must not sit and think that the government involvement with there Health Insurance Exchanges will really and truly allow the cost to be competitive with private health Insurance Exchanges. The coming Healthcare Exchanges that will be subsidized by the Federal government are in their formation phases now for many states and will vary dramatically according to early reports. While it is yet to be seen how affordable they actually will be for many it is the right time to look for an individual or private exchange before you are suprised by the soon to be costly government alternatives.

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About the Author

John Nicholson, Driving Force Financial Network
!07 W Van Buren
Chicago, IL 60625

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