It can be as high 20 to 25 cents on the dollar for administrative costs.

In general it's an exclusion.

They key to keeping premiums down is to be accountable about your health, make healthy choices and be pro-active about any conditions you may encounter. Healthier people don't consume as many medical resources and premiums are moderated as a consequence.

When medical care costs go up, premiums need to keep pace with them.

You don't need a four-year college degree if you have burning ambition or a great plan.

Your determination, selflessness and courage have brought the freedom struggle towards its fulfilment.