With the way health care costs keep rising, cheap medical health insurance sounds like an oxymoron. There are millions of Americans who are uninsured due to its cost. Most of the people that do have health coverage either get it from their employer or their spouse’s employer, who often pays a significant portion of the costs. Instead of paying a hefty monthly premium, many families are deciding to go without coverage at all. Often times, cheap medical health insurance don’t provide adequate coverage to make its purchase worthwhile. With changes in the health care system looming, you may want to start research different health care options soon.
The health care reform bill
Lately, a major item in the news has been the health care reform bill that was just passed. By 2014, every US citizen will have access to government-subsidized cheap medical health insurance. This means the unemployed and self-employed will be able to get coverage at rates cheaper than previously available. However, the bill also states that it is mandatory that everyone carries medical insurance or face an annual fine. This can be a problem for those already struggling to meet their current financial obligations. Adding an additional bill or a fine can wreak havoc on their budget. Now, we are left with the choice of enrolling in a government insurance plan or try to find a cheap medical health insurance plan on our own.
Cheap medical insurance plans
Contrary to what many think, cheap medical health insurance plans can be found. To be able to find such a plan, we need to be realistic. A cheap plan won’t cover every medical condition and service. Services such as cosmetic surgery or even chiropractic care probably won’t be covered. In order to find the least expensive plan, we need to focus on plans that cover our basic needs and the minimum requirements of the government. First, you must assess your basic needs. Do you have kids that need to visit the doctor often or do you just need an annual checkup? Your individual situation will decide what type of coverage is needed. Once you decide how much insurance is needed, you can start comparing cheap medical health insurance plans that cover your minimum requirements.
The best place to get information is on the web
Most providers can offer you a quote by filling out a short form on their website. Based on the information provided, they will give you a quote. You can get several quotes from different providers. These companies are competing for your business so they should offer competitive rates. Choose the least expensive plan that fits your needs and you will have found cheap medical health insurance.