Only a small percent of people who have health insurance are completely aware of all of the terms, conditions and restrictions that are attached to their coverage. Health insurance often has some major limitations, and being aware of them can help you avoid problems. Here are a few limitations to watch out for.

If you're fairly young and have not been affected by any serious health issues, you may think that health insurance is an unnecessary expense, and that your money could be better used in other ways.  Think again. Let there be no question in your mind that health insurance is a critically-important part of your budget.