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The South Florida Business Journal released a report this week by Families USA that examines the rising costs of Florida health insurance, with some disturbing predictions for 2008.

In the article it states that about 3.9 million Floridians under age 65 will spend 10% or more of their pre-tax family income on health care costs in 2008, and another 1.2 million will spend more than 25% of their pre-tax family income on health care next year.

That's a whopping 70% increase from 2000.

And it's not just the uninsured at stake here. Florida health insurance costs are high, just as they are everywhere else, and the many under-insured are suffering too. The report says nearly 78% of those residents who will spend more than 10% of their pre-tax family income in 2008 already have health insurance, and nearly 73% of those people who will spend more than 25% also have coverage.

What's to blame for the sudden increase? Rising health care costs, and growing out-of-pocket expenses for doctor's visits, medications, and hospital visits.

With all the talk about medical coverage for the upcoming presidential elections, there's some hope that 2009 will offer a new option for Florida health insurance. Until then, the best way to minimize expensive costs like hospital visits and out-of-pocket medications is to make healthy lifestyle decisions, and search for a more affordable insurance plan that includes important yearly checkups.