As health insurance costs are increasing we will need to take more responsibility for the medical insurance coverage. With medical insurance cost rising health care insurance companies are constantly developing new health plans. New plans give you flexibility to customize your own medical plan. Most health plans previously were pre packaged well being services plans and we ended up paying for things we never use. We know that car insurance offers us flexibility to where one can pick your limits deductibles and the types of coverage that you would like. It seemed by investing in medical coverage it took at while for medical insurance companies to realize that's how they can stay competitive. The concept of five dollar co pays and no deductible plans are no longer. Most of us and our parents come from the world where large companies taken care of their insurance plans. Large companies will have advantage of numbers; more people are part of the group greater insurance companies are..