After completing this chapter, you should be able to:

1. Explain why the costs of health insurance and health care have been increasing.
2. Define health insurance and disability income insurance and explain their importance in financial planning.
3. Analyze the benefits and limitations of the various types of health care coverage.
4. Evaluate private sources of health insurance and health care.
5. Appraise the sources of government health care programs.
6. Recognize the need for disability income insurance.