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  • Consider this: Health insurance protects individuals and their families from high or unexpected health care costs. A good health insurance plan will pay for a significant portion of your medical expenses. The best way to keep health costs down is to stay healthy. Also, be sure to choose healthcare providers who are in your plan’s network because seeing a provider outside the network can get very costly. Lastly, don’t be afraid to ask for generic prescriptions drugs rather than the name-brands.