Out of work and out of health insurance? COBRA run dry? Need to toss your company's current insurer? Don't struggle with some labyrinthine corporate web site. Think local and hie thee to Lynn Caffrey, an extremely dedicated full-service health insurance broker. Caffrey finds individuals and small businesses medical, dental, life, vision, disability, and long-term insurance. (She also helps retirees pick the right Medi-gap policy.) Caffrey apparently never sleeps, answering client questions at all hours, chasing down good deals, helping you fill out the crazy multipage forms, and more. In short, she's there for you — a rarity among brokers. If you need health insurance now, she's the first place to turn. And, like any good broker, her services are free.