ROSEAU, Dominica, CMC – The 27th annual congress of the Caribbean Association of Insurance and Financial Advisors (CARAIFA) began here on Monday with Prime Minister Roosevelt Skerrit urging regional financial advisors to develop a health insurance scheme for the Caribbean. Skerrit told the more than 130 delegates from 13 Caribbean countries that the cost of medical services in the region had become very prohibitive to many families. He said people with health insurances were also expressing difficulties.