Bog Hurley: I am Bob Hurley and I am with eHealth Insurance and we created a website many years ago back in the 1990s where individuals and families can come out to the internet and they can learn about health insurance. They can compare health insurance plans from some of the leading health insurance companies in their specific area that they live in and then they could actually buy health insurance online today. In fact, we were the innovators of the internet for to give consumers the ability to actually, electronically sign their health insurance application right online.
So you can actually do a whole transaction right online and today, we are talking about topics in health insurance and one of the topics we wanted to talk about today was the early retirees. It's a segment of the population that can be very disadvantaged when it comes to leaving your employer early because you are ready for maybe the good life, you are ready to relax a little bit or maybe you are ready to change first and yet, you have never had to go shopping for health insurance before in your life because you always got it through your employer. Buying health insurance as an early retiree can pose some new challenges to you and we are going to talk about some of those challenges today.