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| Health Insurance |
Unless you're a millionaire and can pay for your health care out of pocket, health insurance is a crucial purchase. The time to buy it is before you have an accident, suffer a serious illness or discover you're pregnant.
Individual health insurance doesn't cover health care for medical problems or conditions that start before the date you were issued a policy, although there are now pre-existing condition insurance plans available from the government. However, due to health care reform legislation, health insurers will no longer be able to deny coverage or refuse to renew coverage to adults with pre-existing conditions beginning on Jan. 1, 2014.
