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Brad Chappel
Albany, New York, United States
I have been going through weight loss process. And what I feel is that we have to really work hard and hard to lose the unwanted pounds. We had never thought that the weigh we are gaining is going to be too much tough to lose. But we have to be positive and motivated to lose the extra pounds, which we have gained without any effort. People who who are going for fast weight loss are just looking for temporary solution to their weight loss problem. We need to lose weight in such a fashion that we do nt get it back after few months or years. And I believe we never hesitate to seek help from our friends and professionals, as the key to get success in life is to keep on learning good things from where ever you get.
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Disclaimer

Fast weight loss is my personal weight loss blog where I am providing general information about weight loss, obesity, various diets, foods and latest stories. But I cannot give any kind of assurance about the accuracy, completeness and quality of the content provide. I am writing my own experience as a weight loser and as every one of us have his or her own experience. The weight loss tips, diets and exercises that works for me may or may not work for you. If you are using any of the content provided here, are using that at your own risk. You cannot blame me for that. If you have some confusion or issue about your weight problem or health, contact a qualified doctor or physician.

Best fast weight loss tips are mentioned here. Get Best weight loss tips, how to lose love handles, fat burning foods, weight loss stories and the motivation we all need to be really successful in our weight loss plans.

Wednesday, July 30, 2008

All about rapid weight loss diet pill

Despite of knowing the fact that once your weight has been gained it becomes really hard to cut it down people don’t take precautions. Major causes for overweight are: improper schedule of diets, late night sleeps etc. which just make us happy for shorter life span but from the point of long run they destroy your body structure.


Our experience scientists and doctors have researched for this dangerous disease for years, concluded with two main treatments to loose weight fast which are: Natural treatment which involves exercises, meditation, cycling, swimming etc. but all these are time consuming process for which one have to spend his at least 2 hours from busy working schedule. Thanks to those scientists who developed magical pills or diet pill which looks like normal tablets but really helpful to cut down your overweight very rapidly. They emerge to be costly but can solve the problem that all have busy schedule and can’t give time to exercises, swimming etc.


Now the question comes how to choose the best diet pill from hundreds of diet pills available in the market? First of all you have to decide your budget and then consult your doctors that would that diet pill suits your body. Some top diet pills are:



  • Lipovox was developed accidently by a Hawaiian college student while watching the Oprah Whinfrey show on "How to look 10 Years Younger in 10 Days."

  • Ephedrasil Hardcore is by far the most effective diet pill and "Feel Good Pill" legally available today. Ephedrasil Hardcore is 100% Ephedra-Free. It's the only product reviewed that received a 100/100 on weight loss potential. If you want to lose weight quickly and feel like a million dollars Ephedrasil Hardcore is a weight loss pill well worth the money.

  • Myoffeine is the only formula on our list of diet pills that is designed specifically for men. It's a "Hardcore" diet pill and Testosterone Booster in 1 product. Myoffeine contains a large dose of Caffeine Anhydrous USP which you can definately feel along with Ephedra's "chemical cousin" Synephrine.

  • Hoodia Gordonii is quickly becoming the #1 selling weight loss phenomonon in the United States. There is a lot of hype surrounding Hoodia Gordonii Cactus extract. What gives Hoodia its appetite supressing effects is a compound called P57.


So, it’s all up to you to choose the best diet pill among many popular diet pills. I’ll recommend you to first try to read each ‘n every side effect of the particular diet pill before bringing it to your diet chart for loosing weight speedily.

Tuesday, July 29, 2008

Experience the best diet pills available in the market!

Nowadays the real cause hurting the body fitness & shape is overweight from which nobody is unaware. Almost everybody can readily admit that they have, at one time or two in their lives, have considered taking diet pills. Now this is very hard job to make a decision that which diet pills have been more effective to drop weight as everybody has their individual choices and flavors. This is not surprising since with the growing market for these pills, one of the popular searches in the internet nowadays is the hunt for the best diet pills. So now the question raises that which method you choose to make search for the best diet pills? What are the best diet pills ever that are available in the market? Many more questions also occur but have only few answers.


A lot of scams going on that you would never suspect if whether or not a certain pill is even good or not. What is worse in the scenario is that there are 'diet pills' claiming to be very good when in fact they are just placebos which has made hard to choose the best diet pills.


To avoid such problem it is always best to buy pills that are prescribed by your doctor. However, sometimes this is not that easy since most diet pills are sold without prescription. In short, they are just sold over the counter. Also, you can not rely on the FDA logo or approval on most diet pill containers since it does not require having one. The only diet pill known to have it is Xenical.


Hoodia Gordoni is the best option if you are the type who has a weight problem because of a very good appetite. You might consider buying an appetite suppressant diet pill; an example of this is. This kind of pill acts on your brain to fool your stomach that it is full hence you will have a decreased appetite. Another approach that diet pills take is to increase your metabolism. An example of this is Lean System 7 and the now growingly popular Xenical. Many more popular diet pills are available in the market which are: Lipovox, Ephedrasil Hardcore, Myoffeine, Zalestrim you may also follow the best diet pills chart to know their side effects.

Thursday, July 24, 2008

What to Do When You Have Cancer?

Whenever people get cancer, meditationwise and dietwise here's what I'd tell them:

1. Dietwise, they should cut out sugars immediately as cancer thrives on sugars. Milk, for instance, is a sugar so cut out the dairy products (which most people are allergic too anyway). Grains easily turn into glucose, too, so cut down on the grain consumption as well.

No one, without testing can tell you which diet is best for the cancer patient. We have the Budwig diet, Gerson diet, macrobiotic diet and all sorts of diets and supplements. Some will work well for you, and others are exactly the worst diet to try.

What we can say is to cut out food allergens that may be taxing your immune system, as the government now recognizes that most cancers are caused by dietary factors and the environment. For this I recommend the ImmunoLabs blood test out of Florida. And for rebuilding the body, take green powders as they are easily absorbed and supply all sorts of the right ingredients for fighting cancer and rebuilding the body. There are also products like Seacure you can use when taking chemotherapy, but I basically tell folks to supply their bodies with the greens, cut out the sugars and food allergies.

Without tests, that's all anyone can safely say. If you do blood tests and hair analysis and urine tests to see what's going on internally, you can see what people are missing nutritionally, and then you can intervene with supplements. But if you just star popping supplements it can sometimes be a waste.

2. As to the immune system, once again you could spend a fortune on supplements to bolster the immune system but many doctors recommend mushrooms, particularly those from JHS Naturals. Remember, mushroom supplements are the FIRST thing a doctor from Japan will put you on (and don't tell me their medical knowledge is inferior to ours, as they do double blind studies as well). You can also try supplements like Immune26, but it depends on the situation.

3. For detoxing the body, which is usually necessary when the cancer has an environmental cause (exposure to chemicals, etc.) there's our detox ebook, which is what I recommend people purchase and why I recommend people detox once per year. Right now I'm on my yearly detox schedule using Nature's Pure Body, enzymes, lipoic acid and nattokinase. I also like the Richard Schulze (American Botanical Pharmacy) insights in fighting cancer as a terminal disease, which focus on detoxification, and I like his insights on dealing with the terminal patient mentality.

Now lack of detoxification is not always the main culprit behind cancer, but often it's part of the puzzle. The problem with detox as a cure is that if this has contributed to cancer in the first place, by the time the cancer surfaces, the detoxification required to help the situation is SO severe that too much has to be done all at once. That's why I recommend detoxing every year.

Women, for instance, don't recognize that their breasts are simply collection pools for all the chemicals and pesticides sprayed on the food that we eat nowadays, so lymph drainage and detox routines are a way to cut down on those risks. Men... all of you will have some degree of prostate cancer by the time you are a senior, but it's just that you usually don't die from it.

4. To fight the cancer directly, you have to recognize that most cancer chemotherapy is based on platinum compounds and there's been dozens of cases trickling in now of people who've taken colloidal platinum who've reported cancer cures. One doctor I know of even talked to researchers at Sloan Kettering who said they knew it killed cancer, but they said no one was interested in sponsoring the detailed research because there's no money to be made without a patent. This doctor, however, went on to cure his bladder cancer by drinking stuff.

This is all anecdotal, mind you, but the science behind the use of colloidal platinum for cancer is there. However, I'm not about to believe that a billion dollar industry wants to study and popularize a $100 supplement like this, so you're on your own. I could tell stories about this sort of thing where really good supplements get destroyed by the system, but you're left to using your own wisdom muscles. All I can do is alert you to this stuff, as it can save your life.

5. As to meditation, once again it all comes down to letting go of thoughts and abiding in emptiness. Once you do that and let go of the thoughts that bind you, your chi can arise unobstructedly and spread throughout your body, without constraint, and help in your recovery. It's all science. Even Richard Schulze found out that when people let go of some hateful thought patterns they clung to for years, that release helped in their recovery. Why? Same reason! They let go of thoughts, and finally their natural chi flows were restored which helped heal them. The cancer--in the first place--arose partially due to a non-natural set of consciousness-chi linkages which should NOT have been clung to.

Naturally meditation doesn't work 100% of the time, but Ainslie Meares found it resulted in "spontaneous remission" in 10% of the cases he studied. At the minimum it produces less pain and death with dignity. That's far better than getting cut up (surgery), drugged up (chemo) and radiated when there's no hope.

Alternative Cancer Treatments - A Guide

There are many options for alternative cancer treatment. All are designed to reduce or help control cancer and provide for the well being of the patient. Cancer affects the body and can cause anxiety, fatigue, nausea, vomiting, chronic pain, sleep problems, and stress.

The following is a guide recommending alternative cancer treatments for helping you cope with your cancer; however these alternative treatments will not cure cancer.

  • Anxiety related to cancer can be reduced by the following alternative cancer treatments. They include hypnosis, massage therapy, meditation, and relaxation techniques.
  • Fatigue is a result of the lactic acid build in your body from cancerous cells. Alternative cancer treatments can include exercise, massage therapy, relaxation techniques, acupuncture, and yoga.
  • Nausea and Vomiting may be result from cancer or traditional cancer treatment. Alternative treatments can include acupuncture, aromatherapy, hypnosis, and music therapy.
  • Chronic Pain is a result of the cancer's impact on the body. Alternative cancer treatment can include acupuncture, aromatherapy, biofeedback, hypnosis, medication, massage therapy, and music therapy.
  • Sleep Problems are a result of cancer and the impact of traditional treatment. Alternative cancer treatment can include exercise, relaxation techniques, tai chi, and yoga.
  • Stress associated with cancer can be treated using alternative cancer treatments. These can include aromatherapy, exercise, hypnosis, massage therapy, meditation, tai chi, and yoga.

Descriptions of alternative cancer treatment are provided giving an idea of the treatment's protocol.

  • Acupuncture using tiny needles inserted in specific parts of the body to relieve impact of cancer. Should not be used if experiencing low blood counts and using blood thinners.
  • Aromatherapy uses fragrant oils to provide relief. These oils can be added to bath water or applied during massage therapy.
  • Biofeedback uses electrical devices to teach patient how to relax when responding to problems related to cancer.
  • Exercise is recommended in most cases to help maintain a healthy body, which helps control cancer.
  • Hypnosis uses subliminal messages to help you learn how to control your body to help you control your cancer.
  • Massage Therapy can relieve many problems associated with cancer. Caution should be exercised if experiencing low platelet counts when using this alternative treatment. Massaging may result in bruising or internal bleeding.
  • Meditation involves concentrating on positive thoughts to help block problems associated with cancer.
  • Music Therapy involves listening to music, playing instruments, and singing songs to help you cope with cancer.
  • Relaxation Techniques use visualization and muscle relaxing strategies to help control the effects of cancer.
  • Tai Chi uses deep breathing and slow movements to help control side effects of cancer.
  • Yoga involves deep breathing and stretching to help the patient relax and deal with impact of cancer.

As with all alternative cancer treatments you should consult your primary doctor and conduct further research to ensure your approach is appropriate for your cancer.

If you are searching for a Freelance Writer who can provide articles such as this one, visit Word Solutions to see the services I provide.

Wednesday, July 16, 2008

How to Compare Savings Accounts Online

Over 50% of American adults don't have any savings. It's all to easy to buy what you want now with credit and loans within easy access to fund purchases. If your looking to get debt free and save for purchases or have a cash reserve for lifes unexpected costs then a online savings account could be the answer. Before rushing off to apply you need to look out for features to compare such as introductory offers, interest rates, minimum investment and any fees or interest penalties.

Banks, of course, are always looking to attract new customers, and introductory interest rates are one way they do that. Just as credit cards may offer zero-percent rates to bring in new customers, banks offer higher-than-normal interest rates for a specific amount of time. When comparing savings accounts, this is one thing to take into consideration, but not the only thing.

If your planning on a longer term investment then the ongoing rate will be of far greater importance than a short term introductory offer. If on the other hand you have a large lump some cash investment, such as a home deposit, that you know you'll be using within six months or so then you may be able to make use of the high introduction rates.

Some of the best long term savings accounts do have opening offers but others use the offers to pull you in but have downsides hidden in the small print. In some cases banks require a minimum balance to be maintained either permanently or for a certain period after you open the account to avoid being penalized by fees. If you withdraw before the specified time period is up, you'll pay for it. In some cases the penalty amount can more than negate the interest you earned.

Some accounts may be assessed fees, either to open, to close, or on an ongoing basis. Again, these must be disclosed, but they're usually in the fine print. Especially if you choose an online high interest account, you'll want to think carefully if there are fees involved. One of the main advantages of online accounts is low or no fees, since the bank doesn't have to maintain brick-and-mortar branches. If the best savings rates are offset with high fees, you may be better off looking elsewhere.

Another thing to look for are hidden interest penalties in the month you withdraw your funds. Many people overlook these in the fine print, but they can make a difference in the amount of money you receive. Getting less than you thought could put a crimp in your plans.

Sometimes, in order to get an advertised rate, you need to deposit a fairly high minimum. This can be $10,000 or more, in some cases. The minimum deposit amount can be combined with an early withdrawal penalty, turning a high interest savings account effectively into a short-term certificate of deposit. Make sure an account with these restrictions will serve your needs before signing up and sending your money.

High interest saving accounts are a great tool whether you make use of an online account or something offered by your regular bank. Just be sure you read all the information about the account before you sign up, and know about any dates for withdrawal and any fees that might be associated with the account, either on a one-time basis or on an ongoing basis.

How to Choose an Independent Financial Adviser

We tend to turn to all manner of people for advice and often take pot-luck on whether the person we have asked is especially knowledgeable, whether we can rely on them to be giving impartial and independent advice, or whether their answer starts with the phrase "If I were you..." When it comes to seeking reliable advice about making your own money work its hardest for you, however, there is no need to leave so much down to mere chance and the luck of the draw - you should consider choosing an Independent Financial Adviser.

The title says it all. An Independent Financial Adviser will be independent - he will not be in the employment of a single company whose financial products he sells on commission or for any other consideration. His financial advice will be just that - advice based on an up to the minute and extensive knowledge of the many and varied financial products available on the market. He will not tell you what to do or what decisions to make, but will place before you all the well-reasoned options from which you can make your own informed choice.

Your search for a reliable and fully competent Independent Financial Adviser is made easier by the fact that each one has been licensed and continues to be regulated by the Financial Services Authority. You can be reassured by the knowledge that such recognition does not come easily, but is a measure of the individual adviser's professionalism and the qualifications he has had to earn.

When choosing an Independent Financial Adviser, therefore, you might want to check out the particular qualifications he or she has been awarded. These can come from a number of well-established and respected institutions, of which some of the best known are the Chartered Insurance Institute (CII), the Chartered Financial Analysts (CFA) Institute, the Personal Finance Society (PFS), the Pensions Management Institute (PMI), the Institute of Financial Planning (IFP), the Securities and Investment Institute (SII), and several others, all of which demand comprehensive knowledge and high-level training in financial services and management. What is more, continuing recognition as an Independent Financial Adviser demands a constant updating of that expertise and knowledge as different financial products come onto the market.

You will know when you have found the right Independent Financial Adviser for you when you are in a position to take - or choose not to take - the advice offered. The Adviser's role is, in fact, a difficult one to get right. In draws a fine line between on the one hand instructing the client what to do and on the other hand expressing a view that comes across as no more than a disinterested opinion. Rather, the advice required of a professional Independent Financial Adviser is the "best advice" from the client's perspective. What the Adviser must try to do is to put himself into the client's position for a moment and base his advice and recommendations purely on what is "best" for his client. This is the final and most difficult test of the independence and objective impartiality of the truly competent Independent Financial Adviser.

Sean Horton is a Director of Enhanced Wealth, a whole of market mortgage broker and independent financial adviser specialising in mortgage advice and the associated areas of income protection, mortgage protection, and mortgage life cover.

Tuesday, July 15, 2008

Here Are Some Lesser Known Eating Disorders

It seems when you think of eating disorders it’s always bulimia or anorexia that pop into your mind. Well, this kind of thinking is dangerous as there are many more disorders out there that fly under the radar. It’s important to know all the dangerous, self-destructive behaviors that do exist. The more we know about eating disorders the better we’ll be able to properly treat different situations. Here are a few eating disorders that you may not be aware of:



  • Bigorexia - This disorder is also known as muscle dysmorphia and occurs when a person is always concerned about looking too small or frail. This is the opposite of anorexia. People suffering from bigorexia aren’t actually very small at all. This is often found in people that work out excessively and bodybuilders. It’s also more common in men than in women because men are under more pressure to look more muscular.

  • Orthorexia Nervosa - People suffering from this disorder are obsessed with only eating healthy food. When people are obsessed with a perfect diet that when they break their rules they feel compelled to punish themselves. People with this disorder may make their diet stricter or even start fasting. People start to devalue their work and relationships when they have orthorexia nervosa.

  • Night Eating Syndrome - This disorder is marked by people who take on most of their calories at night. This happens when people don’t eat in the morning because they feel bad about eating the night before. Many times the food that people intake at night and after dinner is full of fat and sugar. Insomnia and other sleeping problems are symptoms of this disorder. Overweight and obese people suffer most from this disorder.

  • Pica - People with this disorder eat non-food items. Among these items are rust, glue, fingernails, hair and dirt. The people that suffer from this disorder the most are children, pregnant women and those in third world countries. The most dangerous side effect to this disorder is accidental poisoning. Malnutrition, teeth damage and constipation are other complications associated with pica.

  • Prader-Willi Syndrome - This syndrome is common with people that can’t stop themselves from eating. People with this disorder will hide food, steal or even eat their pet’s food. Some common factors contributing to this disorder include: mental retardation, obesity, stubbornness and a lack of muscular tone. This disorder is congenital (present at birth) and is caused by an abnormality in one’s genes. The person suffering from Prader-Willi Syndrome never feels a sense of being full after eating which is a problem in their hypothalamus.


This post was contributed by Heather Johnson, who writes on the subject of rn to msn online programs. She invites your feedback at heatherjohnson2323 at gmail dot com.

Friday, July 11, 2008

Great diet pills that suits your body!

Nowadays the major problem from which the 60-70% of our young generation is suffering is the obesity or overweight. Unbalanced diet structure is the main cause for this serious disease which is not the one which occurs naturally but you may say it’s a man made product. People just don’t care about their body fat which slowly-2 kills the body fitness after some time but if you could give few hours from the busy time schedule this may be controlled.


In today’s world there are two ways to reduce the overweight, naturally or with the help of artificial products. If we talk about natural treatments they are slow process but you don’t have pay a single dollar and also free of any side effects. Exercises, Jogging, Meditation, Swimming etc are some of its kind. Artificial treatments involves Diet Pills which are man made products for which you have to pay a handsome amount but they could instantly reduce your body fat and make you feel quite relax. Diet Pills are mainly for the guys who have insufficient time for doing exercises or jogging. Here are some effective Diet Pills brands: OROVO, Nuphedragen, NOXYCUT, 7-DFBX, CurvaTrim, Hydroxycut, AmbiSlim PM, TrimSpa X32, 72 Hour slimming pills, LipoSeduction 2250 etc. All these are equally effective varying from body to body and given after knowing how much weight you want to loose.


You may buy online all these Diet Pills here also read their precautions which are necessary to know before using them in your daily routines.

Best weight loss pills for you!

Real truth of overweight could never be denied until you have any future weight loss plans to adhere. In modern age people have a very busy schedule and it’s very hard to take out few hours to loss body weight. Some great researchers have discussed about this serious issue and shaped their experience into some magical tablets or weight loss pills which are very effective in loosing overweight of those who don’t have sufficient time to jog or do exercise.


Now the question arises which weight loss pills to select from hundreds of varieties? Some are claiming to loose weight in just 4 weeks but their so expensive that a normal budget person can’t afford it and some which are affordable are they safe for the body fitness. Weight loss pills are divided into two major groups - prescribed or over-the-counter diet pills. Do you like to know which are best? Well, consider the following - prescription weight loss pills are clinically tested and proven to work as they claim. If say Xenical claims to block 25% of dietary fats from your meals - those are clinically proven results.


But prescription weight loss pills are not the perfect - I would say they are far from it and mostly due to side effects and unnatural chemicals applied. The same Xenical gives you a bunch of "additional benefits" like oily spotting, oily stool, possible nausea, diarrhea and more.


Major problem with natural weight loss pills is that their claims are not often backed by medical studies. You can see promises of fantastic weight loss results like “eat what you want and still lose weight” or “the weight remains permanent” and the like.


Actually you cannot be sure if weight loss pill you get contains balanced mix of effective ingredients or useless placebo in a beautiful package. Fortunately, there are natural weight loss pills that passed clinical tests proving their weight loss efficacy, based on using scientifically researched components.


So, before going for any weight loss pills just discuss with your family doctor or physician because they could make you aware of the pros and cons of that particular weight loss pills.

Tuesday, July 08, 2008

Controller touts plan to save on health insurance

BETHLEHEM | City Controller Meg Holland has a plan to reduce the city's health insurance costs through increased premiums and encouraging city employees' spouses' employers to pick up some costs.

At a news conference Monday, Holland announced the initiative as one of her 11 accomplishments in her first six months in office. She said she will publicly announce more details of her health insurance savings plan in a month.

On Monday, Holland said her plan involved increasing premiums. Bethlehem's premiums are too low considering the high cost of health insurance, she said. City employees pay $25 to $35 a month for health insurance whether they receive benefits for just themselves or their whole family, Holland said.

To offset the increased premiums, employees would be offered increased benefits under Holland's plan. The overall changes, however, would still save the city significant money, she said.

"Hopefully we can put a good spin on what we're proposing in a month so it goes forward," Holland said. "I don't want employees to take it negative."

Another part of Holland's health insurance plan would be to work with the employers of city employees' spouses to encourage them to pick up some of the spouses' health costs. Spousal claims cost the city $1.3 million last year, she said. If 50 percent of employees' spouses work and would elect medical coverage through their employers, it could save the city $650,000 a year, she said.

Holland said the practice is fairly common among private companies.

The city controller's office is working with Caruso Benefits Group on the plan. The city's administration has "just about signed on," Holland said.

Mayor John Callahan did not return a call for comment Monday.

Wade Haubert, president of the city's Fraternal Order of Police union, said he is disappointed his and the city's other unions haven't been involved in the discussions. He hadn't heard about Holland's plan.

"Every union should have had someone at the table working with her," Haubert said. "Any objections to this will make the unions look like obstructionists."

Insurance rates mean cuts to employee coverage

The slowing economy is taking yet another toll on small businesses. More and more are dropping health insurance coverage for themselves and their employees.

A new survey conducted by online payroll service SurePayroll found that 56 percent of small businesses do not offer a health care plan, primarily due to the high cost. Worse, more businesses are dropping coverage. When compared with a 2006 survey, SurePayroll reports the number of small businesses offering health insurance dropped by 32 percent.

"It was tough before and now it's getting even tougher for small-business owners to offer health insurance," said SurePayroll President Michael Alter in a press release. "The cost of doing business is going up -- health insurance premiums are going up. Many owners feel they have no choice but to cut costs wherever possible, including on health care coverage."

Lorrie and Thomas Blitch, owners of child development center The Magellan Academy on Deerwood Park Boulevard, have worked with several insurance carriers in an effort to keep rising premiums contained.

"Each time, each renewal year, the rates would be jacked so far up," said Lorrie Blitch. "As a small business, we couldn't afford it. We have to pay 50 percent [of employee health insurance premiums] and sometimes it would go up $150 per employee per month. We would look at the budget and say, 'We can't afford this.' "

Magellan Academy has 45 employees who typically earn about $13 per hour, and it will have at least 90 workers when its second location opens in Durbin Crossing next month.

Despite the cost, dropping health insurance coverage was never an option.

Blitch said offering health insurance is an important tool that she uses not only to recruit the most qualified job applicants, but to retain her most experienced employees. She's not the only one who realizes the value of offering a health benefit. The SurePayroll survey found that two out of 10 respondents recalled at least one time when a prospective employee turned down a job offer because of a lack of health care benefits.

"We compensate them well and because of that we have a low turnover rate," Blitch said. "My husband and I feel they work hard for us, so we believe we should take care of them."

Magellan Academy offers several types of coverage including a major medical plan. They are now considering adding a health savings account plan to help the employees meet high deductible costs. HSA plans in conjunction with high-deductible health plans allow employees to save money that can later be withdrawn tax-free to pay for qualified medical expenses.

"We're always looking at different avenues to save money and reduce their taxable income," Blitch said.

Business owners should meet with their CPA and financial planners before deciding whether to drop coverage. Dropping coverage could have an unintended effect on the owners themselves if they develop a medical condition that prevents picking up a reasonably priced individual plan in the future.

"Let's say [a business owner is] 48," said Bert Livingston, a retirement and estate planning strategist affiliated with National Financial Services Group. "At 52, he has a medical issue [that prevents future coverage through an individual plan] but he wants to retire at 63. There's what's called the Medicare gap. Where is the health insurance?"

It takes a bit of effort to find them, but there are affordable health care options on the market that can save both the employer and employees money. Different plans feature different levels of deductibles and benefits to help make health care less costly. There are also "cafeteria plans" which allow employees to choose a plan suited to their needs, pre-tax.

"You can have four or five programs so that the employees can choose which one they want," said Dana Edwards, a general contracting agent with Blue Cross and Blue Shield of Florida Inc. "You can have a low-cost plan, a high-deductible plan and the HSAs are becoming very popular. So, it gives them a variety of choices."

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