Your monthly health care expenses depend on whether or not your employer covers your costs. If you have a health care benefits package through your employer, select that option. If you pay for your own health care, select the level of coverage you receive from the new Health Marketplace (aka Affordable Care Act) from two popular options, silver or bronze. Some people do not have health insurance and choose to pay for doctor and dentist visits as they occur. If that is the case for you, select that option to factor those expenses into your monthly budget.