Insurance Center

Sign up at your local gym and get healthy: Check your health insurance plan to see if they offer a discount at a health club. If they do you can save money on the monthly health insurance premiums.

Get physical: Make sure you get your annual health check-up - it could determine your eligibility for future health insurance plans. Knowing your current health status better prepares you to make a decision on whether you should change plans or if you can scale down your existing plan in the event you need to make a change.

Do a final review: Look for any other major changes in your health or lifestyle that may require a different set of health insurance benefits. Remember, you may not be able to change your plan until January, 2010.

Save money on medicines: Ask your doctor or pharmacist if you can switch to lower-cost medications, shop around for basic medical supplies on your own, and take advantage of free preventive care.

Funding can be fun: If your health insurance plan features a Health Savings Account, fund it to the maximum amount before the end of the year for the best tax benefit. It also serves as a "rainy day" fund for any future emergencies.