By some estimates approximately 47 million Americans are uninsured.
The consequence of this unfortunate fact is staggering.
Families and individuals are not only denied access to medical, dental and vision care but often they have to file for bankruptcy due to large amounts of debt incurred from a sudden unexpected illness or hospitalization.
Whether you are currently uninsured or simply looking for a lower monthly premium, families and individuals can still find affordable health insurance plans in all 50 states.
Starting your search Your first "to-do" when looking for health insurance is to identify your budget for a monthly premium.
Simply put, how much can you afford to pay your insurance company each month to retain your coverage? Other questions that you must ask include: 1.
What is the maximum acceptable amount that you want your co-pay to be per visit? Should it be $10, $10, $30 or can you afford more? Your monthly premium may be lower, if your per-visit co-payment is higher.
2.
How much do you want to pay for prescriptions? How much are you willing to pay for generic drugs and brand-name drugs? 2.
Do you want to have a deductible? How much? In general the more flexibility a plan provides such as selecting your own doctor, whether he/she is in network, the more you are likely to pay.
Comparing prices and getting price quotes The most important aspect of search is to compare prices from the various health care insurers in your area.
Prices vary state, county and zipcode.
Get price quotes online and compare plan features and costs.
For example, which plans offer the most flexibility, if you have to travel out of your home territory.
By all means, do not go without health insurance coverage, whether it's for yourself or your family.