Dr. Adam Goldstein of the University of North Carolina at Chapel Hill says losing a job is scary enough all by itself, but for some, such as those who have chronic health problems that require both medications and regular visits to the doctor, that fear becomes magnified.

Goldstein recommends to:

-- Check if you qualify to continue your current health insurance under COBRA -- the Consolidated Omnibus Budget Reconciliation Act -- which gives workers and their families who lose their health benefits the right to choose to continue group health benefits for limited periods of time.

-- Call your primary care doctor and explain your situation. Most physicians will work to ensure access to care. They may have a sliding scale, payment plans, a discount for self-pay patients, or charity care program.

-- Seek care at a community health center or free medical clinic whose mission is to serve patients, regardless of their ability to pay.

-- Try to get medications at reduced or no cost. Shop around. Many pharmaceutical companies offer medications for free for a limited time to patients.

-- Focus on staying healthy by exercising regularly, avoiding tobacco, eating fresh vegetables and fruits, avoiding excessive salt and avoiding high cholesterol foods.