A good friend of mine sent me an email with the following situation regarding health insurance.
"I am not sure what to do: individual health care insurance vs. group – in my situation I am trying to decide what to do: 50s business owner, daughter 24 FT student, one female contractor in her 20s (husband not insured), life partner 60 who helps her is currently with an individual policy – do I consolidate them all into one group???Do I recommend to them to get their own individual? Do I do nothing???None of us have anywhere near adequate coverage – something must be done.??But what???I am sure I am not the only small business owner with these issues and it is all so confusing, and so expensive – especially when no one gets good coverage it seems to me – no matter what we pay!??Maybe that is only a perception on my part.??But I feel the only thing we are doing is covering catastrophic debt – not covering actual health care for people.??Please write something that can help sort this out.??We don't mind Grady (Local public Hospital) – but we would much rather be solid citizens paying our own way."
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