Distribution of individuals covered by private health insurance, by type of plan, 2005-2009

As this new reality threatens us all like some kind of federally-funded bogeyman, I'm reminded of Malcolm X, who said, "The future belongs to those who prepare for it today."

When nursing home costs are factored in, expenses jump to an average $260,000, with a 5 percent risk of exceeding $570,000.

I probably sound like a squeaky wheel when I introduce questions of credibility. The thing is, I've been working in the financial/insurance industry since about ...