My Company Doesn't Provide Health Insurance (Gulp!)

The following is an excerpt from You're So Money: Live Rich Even When You're Not, a practical personal-finance guide by Farnoosh Torabi, a senior correspondent for TheStreet.com. The book is aimed at young adults who want to live beyond their means, but spend within them. This excerpt explores the best strategies to setting up your own health-care coverage.

Let's start with the most health-care challenged of all of us: those who cannot get group health insurance through an employer. Some of us are self-employed and others may not have full-time gigs with guaranteed discounted group health benefits.

But I can bet we'll probably at some point between now and the next 10 years get the flu, contract pink eye or chip a tooth.

Hopefully not all at the same time. ...