Haven’t you purchased your government mandated insurance yet? No worry, The Affordable Health Care Act continues to bulldoze the way for individuals, families and small businesses to purchase high quality, affordable health care. The Department of Health and Human Services, HHS, is developing the health insurance exchange program where consumers bargain at state-based competitive marketplaces to find good deals on quality insurance coverage. If you don’t carry insurance, chances are you may be choosing to pay your bills and feed the family. The state-based competitive marketplace will help you to reduce premium costs. Before mandated insurance, the uninsured went to the emergency room for routine patient care. Increasing local competitive bidding will lower premium rates for businesses and families. You deserve 20/20 vision, healthy teeth, regular examinations and congressional quality care when you’re sick.

Another recent governmental improvement to the health care industry is just around the corner. By September 1, 2011, your health care insurer will be reviewed and ordered to note attempts to increase your costs. An independent expert will determine if that increase is necessary and realistic. The process called the “rate review” will force insurance companies to justify any rate increase of 10 percent or more.