My husband and I often have disagreements on handling the household budget.A major issue between us is taking out medical insurance for ourselves and our daughter. The premiums have increased almost double in the past couple of years and the benefits have been limited. Before, I see no point in getting medical insurance for the family anymore, as the savings have not been much for us, and we have been fortunately healthy.Fate made me realized that I am somewhat wrong with my assumptions. We can never be assured that our state of health will always stay like that forever. Like machines, our body changes.Medical expenses are one of those unpredictable ones whose costs could wipe out our savings. Thus, being medically insured is a major financial protection. There are lots of advantages to having medical insurance. It is advisable to ask arounda and study the medical insurance package offered by various insurance companies. Check around where to get the best deal from a reliable insurance company.Part of having an overall sound financial plan is to be ready for unexpected expenses.Is this wise enough?