Gary Poster, with essential assists from Galyn Norwood, Phiroon Phihakendr, Jose Quijada, Pavandeep Kalra. Here is an overview of the most important points of this lesson.
Insurance costs a lot but having none costs more.
There are sensible ways to save money on insurance, but skipping coverage isn't one of them. If your employer offers insurance, grab it. Group coverage, particularly when it's employer-subsidized, is almost always a better deal than anything you can get on your own, even if you're young and healthy. If you're NOT young and healthy, it's definitely a better deal. Comparing plans is tough but necessary.