Americans' attitude toward health care is stunningly laissez-faire when you consider the average family spends $3,000 a year on it beyond their monthly premiums -- too big a cost to overlook.
One of the most costly mistakes? Assuming that using your medical or dental insurance -- if you're lucky enough to have it -- is always the best way to go. Depending on your premium and where you are in the calendar year, it may make better financial sense to forgo insurance and pursue a self-pay rate to lower the net out-of-pocket cost. For DailyFinance's full story on the subject, see How to Negotiate Medical Expenses.