From the Insurance for Dummies by Jack Hungelmann

There are times in your life when you face tough decisions regarding health insurance. Examples include the following:

• You or a family member can’t get health insurance due to existing medical problems.
• You’ve fallen on hard times and can’t afford health insurance.
• Your son or daughter has reached the age where he or she no longer qualifies for dependent coverage under your insurance.
• Your college student has coverage available through school.
• Your or a family member needs temporary coverage.
• Your coverage under your spouse’s group coverage is being terminated due to a divorce.
• Your and your children’s group coverage ends because of a spouse’s death.
• You’re between jobs and without insurance.
• You’re traveling outside the country and are offered travel insurance.
• The school offers school accident insurance for your children.

The following pages show how I recommend that you manage each of those problems.