Updated: August 26, 2011

Not so, saysLaura Casey, author of How toGet the Health Care You Want. "You are your own best human resourcesdepartment," she says. "And user-friendly Web sites can help you navigatethe alphabet soup of options." Go to ehealthinsurance.com for severalcoverage plans. If you already have a few in mind, get answers toquestions like "If I get sick, which plan will take better care of me?" at thesite of the National Committee for Quality Assurance, hprc.ncqa.org.Before deciding to go without, consider this: You may qualify for Medicareor your state's high-risk pool. For more information, visit the NationalAssociation of Health Underwriters at nahu.org/consumer/healthcare.

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