Insurance Question?

[JennK13]

My insurance is what my employer provides me, so I didnt have to search. When we've had accidents in the past - motorcycle, auto, sporting (i play softball as well as ride among other things - and I'm a klutz!) Whether we've gone to the ER or the doctor after an accident, the medical insurance company has sent us a survey asking us if the injury was the result of an accident, and if so, can some other insurance cover the fees. My guess is that IF someone else was at fault, they, the insurance company, would go after that company. So far, it's never involved another party.
If you're looking for additional help in case of accidents, you might consider something like Aflac. Since we lead such active lives with a higher probability of serious injury, I carry aflac. It's relatively affordable and the pay back is pretty simple and quick. I smacked my hand in a virtual baseball game at Dave & Busters in a drunken stuper and thought I broke my knuckle. Went to the Dr two days later, paid my $20 copay, and Aflac paid me $120 for the "accident". I find it very useful since I'm prone to injury in sports - an extra $120 for spraining an ankle or dislocating a shoulder is very helpful for me

[OakLeaf]

You should be able to get UIM without having comp or collision. AFAIK it's only the liability that it's tied to. Depending on where you live it can be rather expensive, but IMO it's totally worth it. I carry the highest limits of liability on my motorcycles for just that reason. You have to have a motor vehicle and liability insurance on it to get UIM, but you don't have to be operating the motor vehicle to collect on it, at least in Ohio.

But as far as health insurance ... as you've probably already found, you could buy a very nice car every single year for what individual health insurance costs. Get what you can afford. I'd go for catastrophic coverage that covers a variety of different conditions and treatments, over something with a lower deductible that would probably be useless for a serious illness or injury.

If you're self-employed you might look at a Health Savings Account - the tax savings there are substantial.