Coordinate your family's health insurance plans.

Dual coverage can be expensive. If both you and your husband maintain coverage, make sure it makes financial sense to pay for both. You don't want to pay more than you'll ever get back in benefits by having duplicate coverage.

If you do decide to maintain both plans — as an added safety net or because the benefits in one plan are needed and not offered by the other — make sure you understand how the benefits in each plan will coordinate with the other.

Coordination of benefits (COB) can be complicated, especially if you have one type of plan, such as an indemnity plan, and your spouse has an HMO.