Health Insurance 101 For Individuals And Families 1) What are your typical health and medical care expenses in a calendar year? Most people are surprised when they go through this exercise to learn that they would be financially better off in most years to purchase a high deductible health insurance plan and use the premium savings to directly offset heath care expenses throughout the year.2) How long do you anticipate needing the health...... Similar Editorial : Health Insurance by Mike Yeager. | Source : Group Health Insurance Policy