Where to Find Affordable Health Insurance

Fewer and fewer Americans get health insurance through employers or unions. According to a new survey from the Kaiser Family Foundation, the percentage of employers who offer it fell to 60% this year.

So if you do have employer-sponsored health insurance, it's important to make the most of it. You're about to enter the "open enrollment" period, where you may have the opportunity to choose between several types of plans offered by your employer. Take the time to examine your options.

Many companies are now offering health savings accounts that allow you to pay for medical expenses with pretax dollars (and save what you don't use). And even if you plan to stick with your existing plan, you'll want to check to make sure your physicians and hospitals are still part of the "preferred provider organization."

But if you are among the 40 million Americans who aren't covered and at risk of financial disaster without health insurance, there's new help in finding an appropriate and affordable policy. ...