You can also consider what is known as teacher's hospital, which is far cheaper than regular hospitals and often even free, despite a generally excellent level of care. The most important thing is that do not neglect your health, or the medical needs of your loved ones.

There are two types of medication in the US: Prescription and non-prescription, otherwise known as over-the-counter or OTC.

Prescription drugs are those that a doctor orders. The doctor will either give you a slip of paper to bring to the pharmacy, or will call it in to the pharmacy him or herself. Prescription drugs are generally stronger, more expensive and not legal without a prescription. Fortunately, health insurance usually covers most or all of a prescription expense.

Over the counter (OTC): Medications that you can buy yourself are usually weaker medications, for less serious conditions. There are usually several brands of medication that can treat the same symptom. Nevertheless, all medications are drugs, and so it's extremely important that you understand what you are taking, follow the dosage instructions and keep medication out of the reach of children. This goes for herbal and homeopathic (so-called "natural") remedies as well. If you are taking other drugs, read about the drug interactions, and if you have a medical condition, are pregnant or nursing, be sure to read the warnings to see if the drug is appropriate for you.

Pharmacies, drug stores, and some supermarkets or convenience stores sell over-the-counter drugs. They are definitely affordable and convenient, but remember, if you do not get better, your cough, headache or runny nose may be a sign of something more severe, and you should see a doctor.

The most common OTC drugs are for fever, pain and muscle aches (acetaminophen, Aspirin, ibuprofin), colds and coughs (decongestants, cough suppressants), allergies (antihistamines), stomach and bowel problems (bismuth, laxatives or antacids), and skin problems (hydrocortisone for itching, anti-bacterial or anti-fungal for infections, benzoyl peroxide for acne, bacitracin for burns). Birth control is another important item that, in some forms, can be purchased over the counter. When in doubt about what you need, be sure to consult the pharmacist. It is his or her job to assist you.