You've got to raise money when you think you can get it, not when you need it. If you wait till you need it, your bargaining power is less and it's no fun.

Because we've had the opportunity to develop a plan and approach from scratch Avalon asked insurance professionals, employers and potential members what they want in their health plan. From their point of view, we've created a consumer-focused model for the future.

Avalon will provide first class customer service, as every Avalon member, employer or producer will be connected to a live voice at all times, and not be subjected to an automatic telephonic prompt system. By keeping people connected, Avalon answers questions quickly and rectifies problems the first time, creating a more efficient and consumer friendly experience.

If you're a healthy 25-year-old male, why wouldn't you get a lower premium plan?

You'll think twice about getting an X-ray for a sprained ankle when you're paying for it. If you buy health care like you buy groceries, paying for an item at a time, you'll become a more astute customer.

People will feel they did not make a lot of money (this year), and yet they may well see some significant capital gains taxes due on their funds holdings.