Health insurance rate increases happen - no big news there. And sometimes, they're either just too big to swallow or they're the proverbial straw that broke the camel's back. But it really concerns me when I have a client who lets their policy lapse without ever having contacted me and who doesn't reply to my calls or emails.

There are almost always alternatives to just dropping health insurance coverage altogether. Even if you're healthy and "never" go to the doctor, going without coverage is...
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