I learn a lot about how insurance works here in the US through my classes Medical Insurance Coding and Billing as well as Medical Law, Ethics and Bioethics. Honestly I am naive about these things before. I am used to be dependent with my husband's insurance being in the military service. What our instructors emphasize is to shop for insurance. You have to get the most coverage with your dollar spent. Insurance companies have different life insurance rates and the same with the applying credit cards; you need to read its fine prints as well. If you are shopping for insurance, you can check out wholesaleinsurance.net because they can give much information about what you are looking for. The more you are aware of your options, the more you can choose the one that works best for you.