Some things in life are treated disrespectfully and the right of having health care insurance could be one of them. Companies have to give their staff some type of benefit program in their broad compensation package. The employee expects it and enjoys the security of having good health insurance. Everything changes when the worker leaves the employer. Insurance choices need to be made. Nobody can escape from this process. The worker shortly finds the cost to keep on the insurance to be way more than anticipated and they start hustling for possibilities. Are there alternatives? What can be done to cut back the cost? There has been a major shift in thinking by the insurance purchasing public over alternative choices to lowering the price of medical insurance.