If you're unemployed health insurance can be hard to come by.

One CNN financial expert says if you're going to lose your cobra subsidy, get on your spouse's health care plan as soon as possible.

Another option is to check out coverageforall.org.

The web site helps you find what low-cost local health insurance resources are out there, and there's a help-line for those who are un-insured.

And for those who are having a hard time paying utility bills this winter, check out the Low Income Home Energy Assistance Program at liheap.org.

It can help you offset your heating bill.

It's a federally funded program, meaning you pay for it with your taxes.