Health insurance in the U.S. can be confusing. Many people don't have access to good coverage they can afford, and millions of people don't have any health insurance at all. There are plenty of big picture changes that the federal government needs to make so that health insurance works better.
In the meantime, if you're lucky enough to have health insurance with the system that's in place, you can use your insurance strategically to set yourself up for better health and lower out-of-pocket costs.
"Many consumers fail to take advantage of the benefits that are offered by their health insurance policy simply because they don't know they exist – or even worse, they end up paying out-of-pocket for expenses that may have been covered," explains Tasha Carter, the Insurance Consumer Advocate for the state of Florida. She helps people understand all kinds of insurance – including health insurance – and her office advocates on behalf of Florida consumers whenever insurance decisions are being made.