http://www.isnare.com/?s=author&a=Michael+Ertel Finances Michael Ertel Tue, 08 Mar 2005 00:00:00 -0800 http://www.isnare.com/?aid=1289&ca=Finances The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding them... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=605&ca=Business As many of us expect, the New Year will bring both tremendous challenges and opportunities for all of us both personally and professionally. Employers continue to face the major challenge of controlling the cost of their health insurance and other employee benefit programs. Organizations that can be... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=606&ca=Business Many economists have suggested and recent economic data indicates that the economy is steadily moving in the right direction. A combination of several factors has no doubt had a negative impact on the economy over the last several years. The recent state of the economy, combined with the increasing... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=607&ca=Business As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases are numerous and include: technological advancements in the medical field, in... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=608&ca=Business Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare. These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandat... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=609&ca=Business Do you pay more attention to your car than your body? You change your oil every 3000 to 4000 miles. You have your tires rotated every other oil change. Your air filter and brake pads are changed at the appropriate intervals. Now, what about your body? You follow the recommended AMA guidelines for ro... Business Michael Ertel Wed, 26 Jan 2005 00:00:00 -0800 http://www.isnare.com/?aid=610&ca=Business Most of you have heard about “consumer directed health plans”. The Bush administration has been a strong supporter of this concept as a way to get a handle on soaring healthcare costs. The recent inaugeration of Mr. Bush signals that consumer directed health plans will increasingly make up a larger...