Hey honey , how was your day ?   It was alright . I ran into Bill and we got to talking for a while . He ’ s in a bit of a jam .   Why ? What happened ?   Well , his son had an accident and Bill doesn ’ t have health insurance . This really got me thinking , and I wondered if we shouldn ’ t look into a couple of different HMO ’ s .   Yeah , you ’ re right . We aren ’ t getting any younger and our kids are getting older .   Exactly ! I searched on the web and found a couple of HMO ’ s with low co-pays and good coverage . The deductibles are low , too .   Sounds good , although , do you think we can qualify for insurance ? Those insurance companies are real pirates when it comes to money . 