Most people know that not being covered by health insurance is a good idea. It can be difficult to find a good health care plan that is affordable and covers everything you need.

When it is time to renew your policy, take the time to evaluate your health insurance needs. Open enrollment can also be the best time to change vision and dental insurance if your employer provides these options.

Individual policies usually are much more expensive compared to the group coverage given by employers, so plan accordingly. You may find yourself needing to plan for a higher deductibles or …