Lower your health insurance costs
Insurance from your employer is usually the best deal. But if you can’t get insurance at work or you don’t have a job, shop around. Two good places to start are healthinsurance.com and ehealthinsurance.com. Avoid sites that don’t provide instant quotes―some ask for your personal information and then sell it to insurance salespeople. Also, consider going to a broker. A good one will know which plans have the best rates and most doctors in your area, and there’s no charge for the broker’s services. To find one, go the web site of the National Association of Health Underwriters (nahu.org).