My deductible is way too high! That's a common complaint of many concerning their health insurance policy. But is there ever a time when it actually makes sense to opt for a high-deductible policy instead of a low-deductible one?

Making the decision to buy a life insurance policy is a major step, involving a host of different motivations such as retirement planning, mortgage protection, and replacing lost income after the "breadwinner" of the family unexpectedly passes away.

The number one question that all other questions lead to when it comes to selecting your best health insurance plan is simple: how much would I have to pay out of pocket?

Ideas, raw materials, professional management, and a physical location may all be essential to your business' success, but they obviously aren't enough. Without a workforce, nothing is going to get done. But as soon as you are dealing with employees, a host of complex issues immediately arise.

Ideally, everyone would qualify for subsidies and would never be caught mid-year without a health insurance plan. But in the real world, there are situations where a health plan compliant with the Affordable Care Act is undesirable or temporarily unattainable.