Your next and final step is to drill down to see what you fear is lacking in you and resolve to address that issue, not your symptoms!

FORBES: How To Make, Keep, and Prosper From New Year's Resolutions

What is the name, number, and e-mail address for the person who handles health coverage at your place of work?

FORBES: To Sign Up For Obamacare, Start Filling Out The Forms Now (And Hire A Good Accountant)