No. of Recommendations: 7
Until the boomers (and older) get individual policies that reflect the true cost of their care and stop depending on subsidies from everyone else (read, individual insurance plans being the norm vs. employer sponsored plans for everyone), everyone else will continue to see their premiums rise.

Until the system is fixed so that everyone can afford insurance, insurance will continue to rise as those who have insurance subsidize those who don't but who of necessity use medical services anyway.

Until we have tort reform, insurance will rise as tort lawyers extract money from the medical community.

Until the medical community undertakes a fundamental overhaul of its own procedures and practices, implementing a complete systems engineering approach to the application of medical care to that system which is the patient, complete with no-fault peer review of care of individuals, and the elimination of the giant egos that most physicians seem to have (which is the biggest stumbling block to fixing their system), and the total elimination of the culture of "hanging together" which protects the bad doctors, insurance will continue to rise and tort reform will be impossible.
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