As medical insurance costs are increasing we need to take more responsibility for your medical insurance coverage. With medical insurance cost rising medical insurance companies are constantly releasing new health plans. New plans give you flexibility to customize your own personal medical plan. Most health plans before were pre packaged well being services plans and we finished up paying for things we never use. We realize that car insurance offers us flexibility to to pick your limits deductibles as well as the types of coverage you want. It seemed by investing in medical coverage it took at while for medical insurance companies to realize which is how they can stay competitive. The concept of five dollar co pays no deductible plans have ended. Most of us and our parents come from the world where large companies covered their insurance plans. Large companies have advantage of numbers; lots more people are part of the group the harder insurance companies are competing for business.....