Our rates have stayed the same for the last two years, but we are going with a more expensive plan next year. My wife and I are getting older and starting to have the medical issues that happen. For example, my wife just had knee surgery and they will eventually have to do a knee replacement. I now have to wear glasses for reading, tying flies, even tying my fly to my leader. All of these things never happened in the past so we went with the cheaper plan.

I know a lot of people who's rates are going up but ours has been steady. I also am not sure if this is because of Obama's healthcare plan. My guess is that it is insurance companies using this as an excuse to gouge their customers, much like the oil companies do anytime someone breaks wind in the Middle East.