Individuals without health insurance through their employerhave other options available.
It's not as simple as it looks. Experts say that a health insurance plan that works best for a single person might not be ideal for a family or a recent college graduate who expects to find a job in a few months.
While some people are capable of doing the research and choosing a health plan online, families with several dependents talk with a broker in person.
One option is the health savings account (HSA).
There are two parts to health savings accounts: a high-deductible health plan and a tax-advantaged savings account. The idea is to take the money you save on premiums and put it into a savings account that can be used for deductibles, vision and dental care, long-term health-care plans and more.
The one constant is that you should never go without some type of health insurance coverage, even if it's a simple plan that provides only catastrophic coverage.
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