Health Insurance is intended to protect families and individuals from catastrophic loss and also guarantee access to doctors and hospitals. Insurance is based on a legal theory of "risk pools" that originated as a way for small investors to participate in the building of the first wooden sailing ships. In the early days four out of five ships never returned but when your ship came in it could make you fabulously wealthy. While you aren't going to get rich buying health insurance, the contracts provide crucial guarantees to getting access to our health care system. Many people rightfully question whether this is the best method for delivering health care. For many it really isn't. My role is to help you determine which plans will save you the most money on an annual basis while maintaining continuity of care.