As we age it is inevitable that we need to confront a range of health issues - both general and severe. Apart from the huge hospitalization cost that we have to face, we also have to face long term health care cost which includes the care-provider e.g, a maid, nurse, therapist or nursing home. Health and medical cost are compounded by aging population, longer lifespan and pervasive diseases. Given these scenario we need to plan forward to ensure we would not create burden to ourselves and family members financially.