Many people would concede that a lack of health insurance presents a serious concern. It might seem like nearly an impossible goal to find a plan that is still affordable.

When thinking about health insurance via your employer, consider how healthy you and your family are.This could lead you to purchasing insurance with a cheaper premium if you anticipate no health issues. While this may be cheaper initially, skimping too much on insurance coverage could put you at financial risk if sudden health problems come up.

If you have a job, talk to your boss about employee-based health insurance. If …