Low Cost Health Insurance Basics Explained - Why You Need Health Insurance

Many people find they're rarely sick or have never been hospitalized or had any kind of serious illness

. This is good but can give one a false sense of security. There is always the possibility of coming down with an appendicitis attack, breaking a leg or getting into a serious auto accident that's not your fault, no matter how careful you are. Medical costs and hospitalization along with any medications or drugs can be considerable. Getting some affordable or low cost health insurance can give you the assurance and insurance you need to lessen any worries.

If you start looking at different health insurance programs and getting some insurance quotes you will find that coverage can be quite different from policy to policy or plan to plan. One insurance company may want a high monthly payment in order to cover you. Other insurance companies may want you to pay a hefty co-pay or deductible if you're hospitalized. One may stop looking for health insurance after just one quote that is high and that's a mistake. There are many low cost health insurance programs and you can get several quotes at one time. More on this later.

If you don't have health insurance and the unthinkable happens-- accident or necessity for surgery and/or hospitalization this can take big dent out of any savings you have or if you don't have savings can leave you with big bills.

If you have children you may find it very stressful because parents will forgo their own treatment but do everything possible to get treatment and help for a child. Nothing can be worse than not being able to get the help you need and you don't want to worry about how much it's going to cost you.

Low cost health insurance is available from many companies. Getting free online quotes from the company that lets you submit the information in minutes and it goes to several insurance companies-- that's the fastest and easiest way to find low cost insurance. The costs for your insurance is going to be not only the monthly premium but you want to take into account the co-pays and deductibles too. So if you're trying to get quotes one at a time make sure to compare all of these and compare the coverage closely for each. You can forgo maternity coverage if you don't need it and there may be several other items you can exclude too. Otherwise getting your free online quotes from several health insurance companies at once makes sense.

by: Helen Hecker

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