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Its no secret health care in the United States is undergoing a fundamental change. Rising costs, rampant litigation, ground-breaking health care reform legislation and the global recession are all wreaking havoc with the established norm.

For seniors, estimating their medical costs in advance is usually a shot in the dark.

Milliman, Seattle, recently completed its 2010 Group Health Insurance Survey, which projects an average 10.2 percent premium rate increase for January 2011 renewals for health maintenance organizations.

Advocates for consumer-driven health care (CDHC) have argued for years that there should be more transparency when it comes to revealing the true cost of medical goods and services.

Right now, we're seeing a distinct lack of leadership on both sides of the aisle, so it's ultimately up to us.

The fever for healthcare reform is running high in Washington, D.C., and politicians are lining up on both sides to offer "treatment plans." But policy makers are missing many of the key opportunities to address what is really broken

The United States does not need another Department of Education! We do not need Washington to collect our tax dollars, decide where these dollars are to be spent and send them back to the States.