Health-care costs are a serious concern for many Americans and according to our latest health poll, nearly two-thirds worry about going bankrupt from medical costs due to an illness or accident. But having insufficient health insurance it can be financially devastating too. So, take the time to investigate an insurance company before you buy a policy.

One way to check up on health insurance companies? Do some Web research. The National Association of Insurance Commissioners posts complaint information online. Also, enter the name of the company and policy in a search engine like Google. You might find something that raises your eyebrows such as law suits or customer reviews. You might even find a perfectly sound insurance company.

—Ginger Skinner

Read our full report on junk health insurance and be sure to check out our 7 ways to avoid it.