I probably do not have to tell anyone that medicine is expensive. Insurance coverage is becoming less valuable as the number of Americans workers with high deductible health insurance plans continues to increase. In 2016, it rose 3.2%, to a total of 24.8 million people. On average, deductibles increased by 10%. This trend does not appear to be slowing down whatsoever. Based on recent data released by the University of Minnesota, these high deductible plans are becoming the norm in commercial insurance. Obviously, something needs to be done about this. Relying on politicians to help us solve this problem is probably not a good idea. Their track record speaks for itself. The best thing you can do when you have a high deductible plan? Stay healthy. Avoid the doctor. Have an apple a day. Move as often as possible. What could possibly be considered something positive with current healthcare plans is that the majority of plans do offer a wellness visit, at least once a year, with a physician. Use this once a year visit to optimize your health for the rest of the year. Obtain appropriate screenings, get dietary and exercise advice, and utilize your healthcare provider’s vast array of knowledge on diseases so you can avoid them… Both the diseases and the doctors! Healthcare expenditures and insurance are only getting worse, so it is time for you to get better!