One of the most important subjects the Living Cheap Guide frequently addresses is heath insurance. You may not have health insurance now because you don’t really have it available in your monthly budget. If you have tried applying for some of the free or low cost alternatives that may be available to you through state and federal programs and if you have been turned down for them, don’t stop looking for health insurance.
You have to find some kind of policy even if it is a policy that would have a high deductible maybe even ten thousand dollars or more. It may be a deductible that you may never reach. You may be thinking, why should I get a policy with that kind of deductible?
You are thinking, why should I spend extra money each month to some insurance company while I am paying every nickel of medical expense out of my pocket anyway because I will never spend more than the deductible?
But you could find yourself in a world of trouble without any insurance at all. Here is why. Read the rest of this entry »