Insurance is really lame. I mean, it's awesome when you face a crisis, but most of the time it just really, really sucks. Especially if you are self-employed. We were notified that our premium would be going up (yet again) in January, and that our benefits would, of course, be going down. On a random, yet inspired stroke of circumstance, a friend recommended a program to us that replaces an insurance plan and allows people to help cover healthcare costs together. The mission of this group is to support Christ's teaching to "...bear...one another's burdens..." in a literal sense. I liked that idea. Mosiah taught the same principle to the people in the Americas nearly 200 years before Paul taught it to the Galatians . " And it came to pass that he said unto them: Behold, here are the waters of Mormon (for thus were they called) and now, as ye are desirous to come into the fold of God, and to be called his people...