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  Step 1 - Locate policies
  Step 2 - Get educated
  Step 3 - Determine needs
  Step 4 - Evaluate policies
  Step 5 - Make changes
  Step 6 - Get help
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Health insurance

Besides automobile insurance, if you drive, the next type of insurance that is a necessity is health insurance. While you may be young and single, and think that you have excellent health, you just never know what medical emergency may show up. Sure, if you are really healthy, then you may just go to the doctor for an annual check up, and an occasional office visit when you catch a severe cold or the flu. It hardly seems worth the expense to pay for medical insurance, especially since the costs escalate every year!

Do you know anyone that seemed to be really healthy, only to find out that they had to be hospitalized? Imagine how much it will cost if that is you, and you need to stay even one day in the hospital. Now answer how you would pay for a real emergency that required an extended hospital stay, or lots of treatments, like chemotherapy for cancer. Do you really want to wait until something serious happens, and discover that you owe $10,000 or, worse, be denied medical attention because you have no insurance?

Health insurance is a true necessity, and everyone should have some type of coverage. The real question might be what type of coverage should you have and how can you minimize the expense? This section will walk you through a process of selecting the right type and amount of coverage for your specific situation.

Step One - Locate Your Policies

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