A report from Aflac found that many consumers may be in denial about the possibility of developing a major illness.

The 2012 Aflac WorkForces Report showed that more than 60 percent of workers don't think that they or one of their family members will get a serious illness, while 55 percent noted that they were unlikely to develop a chronic disease. While the optimism is nice, consumers may need to be more cautious and ensure they are prepared for the worst.

"Now, more than ever, people need to understand that well-being means more than just good health - it's being prepared for the reality of whatever life may bring and taking the necessary measures to protect themselves and their families," said Audrey Boone Tillman, executive vice president of Corporate Services at Aflac.

Those Americans who feel their healthcare plan is not sufficient enough to take care of them during a difficult time may want to look at other options. Comparing affordable health insurance rates may give a consumer the policy they need that isn't expensive, but ensures they are covered.