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Protect Yourself: Conclusion

Finding the right kind of health insurance at the right price always requires a lot of attention. Historically, people didn't have to think too much about these issues because they simply accepted whatever their employers offered. That's a luxury few people can afford anymore.

Whether you buy insurance for yourself or get coverage through your job, the trend in the industry is toward you making more decisions about your coverage.

Even if you live a healthy life and eat a pristine diet, you'll need to see a doctor or go to the hospital at some point. And, then, you'll realize how essential the right health insurance is to your personal protection.

An HMO or short-term policy may not provide the most luxurious health care available; but either one will assure you basic coverage in a crisis. And basic is much better than the coverage you'll get if you're uninsured.

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