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[quote=Anonymous]OP, you mentioned you don't currently have benefits.

This is an area where you can help by researching your options.  Depending on the length of unemployment,  you can help by researching different types of insurance (COBRA from past job, good-quality but high-deductible policies, etc.).

With regard to dental care, there are dentists who will give you the negotiated plan prices if you pay cash.

I find the price of eyeglasses varies nonsensical from store to store.  Shopping around can save a lot.

You should also understand if your kids might be eligible for any state plans.

There are also a lot of workarounds to save money on common maintenance meds if you have any.

Figuring out a plan to keep some kind of stop-loss medical insurance is prudent.  When my husband and I were between jobs for a couple of months in our 30s, I raised the medical payout coverage on our auto insurance.  I figured that was likely to be our main source of risk of severe medical bills and it cost very little to make that change and gave me comfort.[/quote]

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