I just met with a couple a few days ago who were in a tough position. The wife is 68 years old and on dialysis. The husband is a retired postal worker and been on Aetna PPO Medicare plan since retiring. As of the new year their premium is increasing $300-$1200 a month, their total monthly income is approximately $4000 a month. The monthly premiums and other ancillary expenses are getting to the point where they fear they will not be able to meet their monthly obligations in the near future. They're looking for a way to reduce their monthly premiums but due to their income and her health condition I couldn't come up with an idea. I know this isn't a moneymaker but I'd like to do the right thing. If anybody has an idea on how I could help please let me know.