February, 2000

A Primer

Summary: Health insurance is probably the most vital coverage a person can buy. When an insured is sick or injured, he or she reverses the usual family-related role; instead of being a contributor of income and provider of services, the injured person becomes a drain on income and a burdensome user of services. The probability of this reversal occurring is six times greater than the probability of early death; a contingency with which few insured's can afford not to reckon. Certainly no personal financial security plan is complete without first taking into account the insured's health insurance needs.

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