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I get a lot of calls from folks that think they just can’t afford health insurance.  Maybe you’ve been laid off, maybe you’re on COBRA, whatever the case may be, I urge you to take a look at your situation and take a look at the plans out there.  There are some great plans out there including temporary plans if you need coverage for 90 to 100 days in between jobs or whatever the case may be.  Some of these plans cost as little as $40-$100 per month.  They are not expensive but they can make a big difference if you wind up in an accident or are diagnosed with some type of illness that you would need immediate care for.  Be smart about the way you buy health insurance, turn to an independent brokerage firm such as my company, Benefits By Design, Inc.  Being an independent firm means that we shop policies with companies across the board.  Companies like Aetna, Assurant, Anthem Blue Cross, United Healthcare, Golden Rule and Mercy.  These are just some of the carriers that provide these kinds of choices and prove that you can find affordable health insurance in today's market.