
Health care is costly in the best of times. Even the luckiest among us, those who have comprehensive insurance through an employer or Medicare, might have to stretch to afford premiums, deductibles, and co-pays. Add a recession that's thrown millions out of work and trashed the retirement savings of still more millions, and you have the makings of a full-blown crisis.
Here's our guide to getting the most care for your dollar, depending on where in our mazelike system you and your loved ones are.