Hassle-Free Health Coverage: Individual Policies

If you are self-employed or if your company does not offer group policies, you can buy individual health insurance. The policies often cost more than group policies -- but it's usually better to be safe

with coverage than sorry without it. Especially when one major medical expense can make two or even 10 years' worth of premiums pay for themselves.

If you belong to a union, professional association, or social or civic group, which usually have health care coverage you could be eligible for health coverage they provide for members.