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Never cancel your health insurance until you have a replacement lined up and you have been approved.
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Try to apply for a health insurance plan at least 3 weeks before you need it to be effective.
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Take a look at your 'worst case scenario'. What are the maximum out of pocket costs that you could have?
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Make sure your insurance company can't cancel your policy if you have large claims.
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When you go for treatment, double check that both the doctor and the hospital/clinic are 'In Network'.
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If you need after hours care, weigh up whether you need an ER or an Urgent Care Clinic. An average ER visit costs over $1000, whereas an average Urgent Care clinic costs $150.*
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It can pay to have different family members on different health plans, even with different companies, if it fits their specific needs.
* 2008 Average costs according to BlueCross BlueShield.
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