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Raise Your Health Benefits I.Q.

When you graduated high school or started college, you probably dove right into your new surroundings. You joined the intramural soccer team, pledged a fraternity or sorority, surfed with the locals or wrote for the school newspaper. In order to meet new people and start a new chapter of your life, you actively participated on some level. Well, you're now flipping to yet another chapter, and it's time to get acclimated. You'll be dealing with health benefits for the rest of your life — why not dive in and learn all you can? Beyond the basics, learn how to maximize the health plan services that will save you time and money for the long haul.

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Jacob

New Family—Jacob, 24

I work full-time in a consulting firm, so I'm officially in the "real world." I got married a couple of years ago and we have a daughter, Emily, who is almost a year old.

Luckily I have insurance - I don't know what I'd do without it. We've used it for my daughter's check-ups and immunizations. But mainly, it gives me peace of mind and I don't have to worry about what to do when Emily gets sick or needs medicine. I've heard about FSAs but don't really know anything about them or how to get started with one. I think my family could use it and a friend told me it could help save me money, and I'm always up for that.

This profile is based on several real-life accounts. The names and specific details have been changed to protect privacy.

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