The document discusses the need for supplemental health insurance given the risks and costs of illness or injury in the current US economy. It notes that 1 in 6 Americans is hospitalized each year, with the average stay being 4-5 days. Medical costs have risen significantly faster than overall economic growth. While employers have reduced coverage, individuals now pay more out of pocket. As a result, medical expenses are a leading cause of personal bankruptcy. The document argues supplemental insurance can help protect families financially against the risks and costs of major illnesses like cancer, heart disease, and injuries. It provides guidelines for evaluating supplemental plans, such as lump sums for illness diagnosis or daily benefits to offset costs.