I want to pose a question: Why do health insurance premiums go up? For quite a few reasons: people get more sick, procedures cost more money, medication costs rise… The list goes on. But I want you to consider this fact for a moment – Over the past 13 years salaries have risen at a rate of 43%. Pretty good, right? Now consider that over the same time period, insurance rates have risen 180%. That is a serious chunk of money going towards health insurance premiums. And it doesn’t seem to be getting any better (sad face).