No one likes to pay insurance premiums, however there are insurances you want to be sure you have secured for your protection and the protection of your family should something untoward occur.

Health insurance is important, even if you are young and healthy. It protects you and your family from large medical bills if you should have an unfortunate accident or if you should fall seriously ill. Employers often offer health insurance plans that you can take part in at group rates. If you are self-employed, there are many options for obtaining independent coverage.

You might also consider a Health Savings Account (HSA) to supplement a high deductible health insurance plan. An HSA allows you to save pre-tax dollars to spend toward your health care, thus reducing your taxable income.