Note to self ~ set up your health insurance premiums on auto debit monthly, quarterly, annually. It shouldn't be this way, but it is quickly becoming us against them. Allow me a digression. I have a manager a few levels above me who loves reports like a cat loves tuna. This person can peel one like a grape (all the Diana Krall fans out there will understand that ;). I have never seen anything like it. Unfortunately, too often this manager has reports that are in two words ~ "old information". So you are getting a blistering for something on a report that you cleared 30 days ago OR was an error to begin with. Just great! (sigh) Well, my direct manager had a cure for that. His logic ~ don't get on the report. Whatever it takes or whoever you have to take out (just kidding:) ~ don't get on the reports (yes, there are several). Well sometimes that is easier said than done, but his logic is accurate. For better or worse, it takes a lot more energy repenting for your sins (legit or not) than just to avoid the sin altogether. That is what you have to do with your insurance premiums OR any other bill tied to an entity that frankly does not have leniency or can wreak havoc on your credit report.
So the glad game for today is be glad that you are not the Flanagan's, and make a note right now to call your insurance company in the morning to set up your premiums on autodebit. You will not only be glad tomorrow to have that done, but you can be really glad the next time you get sick and need your insurance.