There has been a lot of discussions on health insurance lately. Calls to the office about the new rate hikes and every other question that you can imagine Do I like paying for health insurance? Of course not but it is another one of those things. When you need it, you really need it. It has been reported that 4 to 5 percent of the people covered by health insurance use up most of the money paid out by health carriers. With the new laws that require the insurers to pay out at least 80% of the premiums taken in, there is plenty of money being paid to doctors, hospitals and other providers. I probably mentioned my stay in the hospital before, but here is an interesting fact. Those five days used up every dollar of health insurance premiums I had paid in my lifetime. Being a number nut I checked it out. That was 8 years ago and I hope the money I have put into the system does not get used by me. The moral of the story is, If I did not have the coverage, I would most likely still be paying on that bill. Everyone who has a grandchild says they are worth a million dollars. Well I have have one that is actually worth a million dollars. She was born premature at 1 pound 15 oz and stayed in the hospital for three months. Oh thanks for asking. She is perfect, well you would expect a grandfather to say that. She is healthy, but without the insurance they had, their only choice would have been to file bankruptcy. So once again the premiums stink but where would we be without the protection. Its our story and we are sticking to it. Insurance stinks until you need it. Let us know your story and we hope it has a happy ending. contact us at www.tedhamminsurance.com.