Everyone is aware that health care costs continue to skyrocket. Last year we spent an average of $8,687 dollars per person on health care, and the figure—which includes insurance premiums, deductibles, co-pays and co-insurance—is projected to rise to $13,100 by 2018 if we do nothing to stop it. It’s enough to prompt widespread panic or wholesale defeat, depending on your outlook.

The good news is that something can be done, even by ordinary people, but first of all it’s important to understand where health care dollars are currently being spent.

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