How to Get Affordable Private Health Insurance Without Losing Your Sanity

The other day I was speaking with a friend of mine who was sharing her exasperation in trying to find quality health insurance for individuals. She works out of her home, so she does not have the luxury of individual or family medical insurance that may be offered by an employer. And if you are not in a group plan, trying to find cheap health insurance these days can be as difficult as finding gold in your back yard.

When we looked at her financial situation, she did not qualify for Medicaid or Medicare because she made too much money for those programs and was still too young for Medicare. However, she was not rich either, so she could not afford what a lot of plans were priced at. Feeling a bit disheartened, I decided to help her get through some researching and digging to find a way to get her insured, at a great price, and with good coverage.

We started out trying to figure out which medical insurance plans were available in our state. Once we knew that, it was a matter of then calling each insurer to see what was available to an individual looking for affordable family health insurance. We soon found out that shopping for health insurance for individuals was going to be a complicated task.

It also made us aware that we really needed to figure out what kind of insurance she really needed. Did she just want something to cover her basic annual medical expenses, doctor visits and prescriptions? Or something that maybe only covered serious illness and accidents? And did she have any existing illness that may make her a little more difficult to insure? All of these questions had to be answered.

Before she gave up hope, I decided to look for a way to do a health insurance comparison online. What we really needed was a quick and easy online method that would allow us in some basic information and get a comparison from all available insurance plans, rates, and options, and keep us from having to contact each individual health insurer individually.

We learned that having a higher deductible was a good way to lower the overall rates. That means that if something happened, she would have to pay more up front before her coverage would kick in. But that did not matter because she felt that if there was a serious accident or illness, it would still be easier to pay a large deductible than to not have coverage at all.

It was nice to be able to find an "all-in-one" health insurance quote service that got her on the right path, with the right insurer at the right price.

Click Here to to get the health insiders lowest rates and have the comparisons done for you in just one search. Individual Health Insurance Plans can find all the best plan at the lowest price.

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