Because our savings are over-insured, we don't stop to consider the activities or the health of the institutions we bank with.

FORBES: Magazine Article

In short, the over-insured depositors are the banking system's moral hazard.

FORBES: Magazine Article

Individuals can make choices like how to buy long-term medications (there are good, lower-cost options) and how much health insurance they need (a lot of people are over-insured for routine health costs, especially in the Medicare supplement market).

FORBES: Healthcare Needs Transparency

But UnitedHealth also stands to benefit from millions of Baby Boomers joining the ranks of the Medicare-insured over the next decade.

FORBES: Still-Recovering UnitedHealth Shares May Be a Bargain

These charge-offs were higher year-over-year at 60% of insured institutions.

FORBES: Intelligent Investing Panel

Consider this: in 2007 FDIC insured institutions had over 2.2 million full-time employees.

FORBES: What Downturn? Bank Profits Hit $34.5 Billion

But with over 75% of America's privately insured employees already in managed-care plans, there are few corporate pickings left.

ECONOMIST: American health