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According to FreeERISA data, in 2009 the average health care premium paid per participant in the 100+ market was $5,556. In 2010, that number rose more than 5 percent to $5,844. That is an unsustainable rate, and it’s time we took matters into our own hands.

Health care costs and personal responsibility. It seems like people expect they can lower health premiums by shopping around, or by passing legislation, or by wishing really hard – and those things can certainly help – but it’s kind of like weighing four hundred pounds and trying to get yourself ready to run a marathon by buying new sneakers.

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