Investing in Insurances and health care is a good idea, I really encourage my husband to invest on this because I want to make sure we get the right health care when we get old, as you know time flies so fast. So I open up and let him understand about medigap. Most of our elderly are in medicare supplement but medicare does not cover all health care bills and still we have to get from our own pocket for some co-pay and we are responsible for other services that are not covered by medicare. My mom-in-law invest on this and she have a very less out-of-pocket expenses.