With all the planning that goes into a wedding, health insurance is probably the last thing on your mind. Don't let the big day go by without saying "I Do" to creating a health budget for your new family.

Why you need a health budget
Paying for your health care expenses when you were single probably wasn't a big deal. But now that there are two people's expenses to think of, things could get more complicated. Building a health budget can help keep you from being blind-sided when the bills arrive. Use the Family Health Budget to get a handle on what you spend and to identify opportunities to save.

One plan or two?
You opened a joint checking account — should you have a joint health plan, too? Many couples find it makes better financial sense to have one family plan instead of keeping their individual policies. One mistake many couples make is having too much insurance. Think there's no such thing? If you're covered on your spouse's plan, there's likely no reason to have your own individual policy, too, even if most of it is paid for by your employer.

Going the one plan route? Be sure to take into account whether either of your employers charges a fee to cover a spouse who has group insurance available elsewhere. Then compare deductibles, copayments, out-of-pocket costs, and so on to determine which plan works for both of you.

Look into a health care spending account
If you're like most newly married couples starting out, money is tight. Do yourselves a favor and look into a health care spending account. These accounts let you use tax-free income to pay for health care products and services. Because you're using money that hasn't been taxed, it's like getting a discount on things you have to buy anyway.