Insurance: A Cost-Benefit Guide to Covering Your Ass
HEALTH INSURANCE Need it?: Yes. (Or pay a fine. Thanks, Obamacare!) Baseline coverage: High-deductible, so-called catastrophe insurance. Sweet spot: If you’re under forty and/or relatively healthy, a decent HMO plan (lower cost, less coverage, smaller network); if you’re over forty and/or like going to the doctor, an EPO or PPO (pricier, but more options …