When it comes to health care, there is no "one size fits all." Ideally, working for an employer who offers non-contributory health insurance is what most of us would appreciate. However, that is not a realistic scenario.

Finding affordable, adequate health care coverage is a huge problem in our country right now. If you are in a situation where you require certain medications and have no access to reduced rates on prescriptions you can almost bet the farm that you will be paying top dollar for the medications you need.

When considering a change in employment, scrutinizing the potential employers health care plan is your responsibility. Sadly, many people look at everything about a new job except the health care plan. Don't just lump it together with a "benefit package." This could be a huge mistake. Contracting a debilitating illness or becoming an unwilling participant in an accident is not something that anyone can foresee.

This is particularly true with young singles. Life situations change. A health care plan that was adequate for a single person may not be enough should he/she marry or even have children while employed. If their policy has no provisions for the addition of dependents in the future, you may find your health care woefully inadequate. Take the time to project what your future situation might be and plan accordingly.

One of the most overlooked segments of our society are the self-employed. Based on age and dependent requirements, the cost for individual coverage can be astronomical. If you are self-employed or a very small business owner, consider joining a local association like a chamber of commerce, or some other type of business organization. Many of these organizations offer access to health care that might otherwise be cost prohibitive on an individual basis. They may charge a membership fee to the organization. But when you factor in several hundred dollars a year for membership dues, that small cost far outweighs the potential savings in premiums. Health care packages are often one of the most lucrative options these organizations have to assist in recruitment of new members.

If you do not fall into either of the categories above, you might investigate other potential group options. Fraternal organizations, unions and clubs may offer access to group rates. The important thing is to pursue every possible avenue with an eye toward obtaining access to group health insurance.