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What is the importance of educating yourself regarding your health insurance policies and their limitations?  

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This is important because you need to know what you are covered for and how much money you might be expected to pay out of pocket for various medical procedures.  This is very important for the purposes of planning your budget.

For example, if you are the parent of small children, you will have to be thinking about the possibility of orthodontic care.  You will need to know how much you are liable to have to pay if your kids need braces. This will vary from plan to plan.  If you do not know, you will not be able to plan.  

If you do not know what sorts of limitations your policies have, you will not be able to do much in the way of planning for the sorts of medical needs that can easily be foreseen.

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