I wanted to share an Article I wrote on EzineArticles about an affordable health insurance approach that I currently use with my customers to help them keep their premiums low.  This method I currently use on my family.  I am not sure how many agents are doing this, I know if you buy on the internet without an agents help, it is hard to figure out this approach alone.

http://ezinearticles.com/?Health-Insurance—An-Affordable-Approach&id=3494485