You may have spent a lot of time thinking about how to choose your ideal health insurance plan, and that makes sense because your primary health insurance policy is foundational. But the fact is, regular health insurance is often not enough. 

The high cost of health care in today's US economy is matched only, it seems, by the highly complex nature of selecting an ideal health insurance policy.

Even the smallest businesses can gain a competitive edge in winning and retaining top industry talent if they offer a valuable benefits package. And the number one benefit employees are looking for is clearly health insurance.

Association health plans (AHPs) have been with us for quite some time, but the rules and qualifications by which they are formed and run are undergoing major changes in 2018 and beyond.

Having an adequate and affordable primary health insurance plan is of first importance, but adding on one or more secondary, or "supplemental" health insurance policies is also often worthwhile.