Medical costs in the U.S. continue to rise and according to various sources, the number one cause of personal bankruptcies in America is led by debt attributed to medical bills. Your ability to provide for yourself and/or your family depends greatly on your good health. Adequate healthcare coverage for you and your dependents is critical. In addition, if you own a business, the Affordable Care Act enacted a number of rules and guidelines that require you offer healthcare coverage to your employees. Preferred Guardian can help you sort the options available to you and your business and provide the best recommendations for your needs and budget.