Health insurance plans that require consumers to pay more in out-of-pocket medical expenses may have hidden costs. iStockphoto.com hide caption

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Child-only policies can be critical to some families, including those where an employer doesn't offer dependent coverage. iStockphoto.com hide caption

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Not many elderly people get long-term care insurance. It's expensive and many hope their kids will look after them instead. iStockphoto.com hide caption

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Here goes nothing. A big jump over the Zambezi River in Africa. James Whatley/Flickr hide caption

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Illinois farmers harvest corn crops near Monticello, Ill. An unseasonably hot summer likely damaged much of this year's corn crop, which means farmers may seek support through their crop insurance.

Seth Perlman/AP hide caption

itoggle caption Seth Perlman/AP