in regard to how much of the economic burden we each carry for our unhealthy behavior choices, things have changed over the last decade. Colvin states, "... we bear ever less of the costs of our unhealthy behavior. In 1960, we paid 56% of our personal health costs out of our own pockets; in 2010, we paid 14%. Yet that can't be the whole explanation; we know from the findings of behavioral finance that we aren't purely economic beings" (2012). In this discussion we explore options. How our behaviors affect cost and vice versa as we address questions on how can we gain control of this concern through economic concepts. Provide your thoughts on the following: Thinking about your personal experience with healthcare cost, give an example where you or someone you know received health care service that resulted in a personal expense; an out-of-pocket cost. How were you affected by the out-of-pocket expenses? Did insurance cover any of the costs? Was the quality of the service (or type of service) affected based on your insurance status as a patient (insurance vs self-pay)