INSURE AGAINST CATASTROPHIC EXPENSES

Berkshire Eagle, The (Pittsfield, MA)

Use insurance to protect yourself against catastrophic expenses rather than smaller costs that you can easily pay out of pocket.

If you have sufficient savings, consider raising the deductibles on your policies to save money on premiums. Be careful about high-deductible health insurance policies, though. Having a high deductible could cause you to put off medical care, and it's better to err on the side of safety when it comes to health.