Health care costs have been rising steadily over the years. The private sector has monopolized the show and has designed health care plans that are expensive but do not offer adequate protection to consumers.

As a result consumers have to be satisfied with the options that are thrust upon them. The rising health insurance costs have forced many individuals to juggle their finances.

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Lately, the Obama Administration has taken up the matter and it is trying to bring about changes that are expected to bring some financial solace to the consumers.

There are 3 identifiable reasons why health insurance costs have escalated over the years. They are as follows –

1. The first of the 3 reasons include increasing costs related to “paperwork and administrative duties”. It is important to maintain accurate information and record related to insurance filings. Some of the costs involved in documentation related to health insurance include the following –

-It involves a huge cost to hire people that take care of the insurance related paperwork and those who are engaged in administrative duties.

-There is cost of paper, mails and procedures that facilitate the maintenance of insurance related records etc

2. The second reason may be attributed to the overuse and abuse of medical resources. It has been observed that consumers have a tendency to visit their physician for insignificant medical reasons.

Every time you seek help of a medical professional, stay in a hospital or undergo tests, it costs your hard earned cash. It may not appear to be expensive initially because you will have to pay just the deductible, but the health insurance carrier has to shell out cash, the cost of which is included in your health insurance premium.

3. Since litigations resulting from medical failures and medical accidents have escalated over the years, many hospitals make it mandatory for doctors as well as nurses to appear for tests and exams, the cost of which gets rolled into the health insurance costs.

Statistics reveal that the cost of health insurance has increased several times as compared to increase in wages. This is one of the reasons why consumers find it difficult to cope up with the rising health care costs.

However, consumers have pinned their hopes on Obama’s health care reform which is expected to give Americans some relief – both medically as well as financially.

But in the match between Junhu Ding and the only debutant Jack Lisowski at this Masters, the fight did not work out at all. The Chinese playfully dealt with the opponent - 6: 1.

In fact, there was no real struggle in the first match of O'Sullivan, who crossed the cue with Stuart Bingham. Ronnie frankly stole a couple of frames, but even 2 taken games after the end of the match are seen as a gift for Bingham.

Now, remember the words of Rocket about the length of his career and his willingness to play after 50 (if there are no worthy competitors). One gets the feeling that Ronnie is purposefully not just beating, but destroying rivals, undermining their psychological stability, thus trying to prolong his snooker age. The style in which O'Sullivan took the final frame is worthy of a separate note.


The score is 5: 2 in favor of Ronnie. There is no doubt that he will not miss the victory. In frame 8, Bingham is 66 points ahead, but O'Sullivan evens the score, and everything is decided on the last, black ball.

A series of careful and well-balanced plays, spreading balls on opposite sides, the first attempt to attack from the Rocket from a not very convenient position - and Stewart wavered, leaving after a small blot a win-win position for the opponent.

It is worth recalling that O'Sullivan lost only 2 matches this season. His attitude towards snooker and his form looks pretty promising. Yes, the main tournament for Ronnie will take place in the spring in Sheffield, but his beloved Masters, which he won three times over the past 5 years, he hardly intends to give to anyone.

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