The sad facts are this: Most of us never have had an unbiased class or lesson in how to intelligently buy individual or health insurance. The largest part of the country that is insured is done so through groups and there's little to know there, but with many of the 2011 and beyond economic conditions, people are losing group health insurance and being forced into the private market. Warning: It's a minefield, and most agents are NOT your friend and are more interested in their commissions than your financial health. This guide gives you at least a starting point and is something everyone should know. THE complete guide with very insightful preface of Secrets Many Agents don't Want you to Know.