You Wear a Helmet, But Are You Covered?

Another option: Find a group plan through your college alumni association or trade organization.

Thirty-one states have high-risk health insurance pools for people who've been denied coverage; to learn more, visit NASCHIP.org.

Finally, consider joining the health-care savings program Pinnacle Choice. Though it doesn't replace insurance, a yearly fee of $360 gets you big discounts on doctor visits, hospital stays and medicine. For more information, go to Pinnaclechoice.com.

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