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.

Searching for Health Insurance

For many years, the online health insurance field was dominated by eHealthInsurance.com -- a Web site that has won awards for its usefulness in allowing people to search online for policies, and compare them based on premium, deductibles, co-payments and other features.

The site offers coverage for individuals, small business, short-term needs -- and even individual Health Savings Accounts, using a high deductible policy and an insurance company that creates the saving mechanism for you. While you can complete the entire process online, eHealthInsurance.com features independent counsellors to help you understand your options.

If you liked this article you might like

Fidelity, BlackRock Escalate ETF War

Fidelity, BlackRock Escalate ETF War

Holiday Gift for the Hardcore Investor

Holiday Gift for the Hardcore Investor

Fidelity Opens World With Trading Platform

Fidelity Opens World With Trading Platform

Big Tax Decision Awaits Those With IRAs

Big Tax Decision Awaits Those With IRAs

Bonds Reclaim Limelight After Stock Rout

Bonds Reclaim Limelight After Stock Rout