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This is a great ariticle that was in Forbes, written by Avik Roy.  It is fantasic, really follows my beliefs, but added some things I never thought of, which I still agree with!  Thanks Avik!!

http://www.forbes.com/sites/aroy/2012/05/21/putting-the-insurance-back-in-health-insurance/

Eric Wilson is President of I Sell Health, Inc.  A Chicago area insurance agency.  He can be reached toll free at 888-448-5370 or online at www.isellhealth.com