Many would agree that a lack of health insurance presents a serious concern. It can be daunting to select a good health care plan that is still affordable.

If you got a job right out of college, speak with your employer about their employee-based insurance. If you are under the age of 26, you can remain on your parents’ health insurance, though you may want to look into getting your own coverage.

Individual policies usually have higher costs than the group coverage offered by employers, so it is advised to plan accordingly. It is possible you might have to compensate …