Make change fun by doing it with a friend. Make it social. Otherwise it will seem as if you’re depriving yourself. The new thing needs to be perceived not only as worth having, but fun to get.
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“What the Health Care Overhaul Could Mean to You” is a good summary of where you may stand at this very moment relative to health care. The article identifies various situations, such as “do you have health insurance now”, if you do, is it “through your employer”, “through medicare”, “through medicaid”, or “on your own”. It then spells out what the health care overhaul means to your particular situation, and when.
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