What Are the Most Affordable Health Insurance Companies?

Affordable health insurance is the goal for many people; however, if you are currently looking for health insurance, you are probably finding that there is no such thing as cheap health insurance. That opens up the question of which providers are the most affordable. The problem is, there is no easy answer to that question. What may be very affordable for your neighbor, who has no health conditions and has no family history of heart problems, may not be affordable for you because your father had a heart attack and you are over-weight.

Step One: Compare. Finding the most affordable health insurance companies is going to start with you using a third-party quote tool. Quote tools allow you to find companies that are offering the lowest rates for the type of insurance that you want. You can compare HMOs, PPO, POS and even Indemnity plans to see what type of plan best suits your budget and your healthcare needs.

Step Two: Find a doctor. Some of the things that will make an insurance plan right for you are things like whether or not a doctor that you like is on the plan, if you have a medical condition will it be covered on the plan, what type of claim statistics do they have and whether or not you can afford the premiums for the plan. Of course, if there are other things that are very important to you, then they need to be considered as well.

Step Three: Look at prescription costs. Consider if you or anyone on your policy get prescriptions filled on a regular basis. Then look at what your prospective policies offer for this coverage.

Step Three: Special Coverages. Maternity benefits, vision and dental are all important to people at different times in their lives. A great policy that doesn’t offer what you need when you need it is useless.

You can consider looking at companies like United Healthcare, American Association for Retired Persons, Aetna, Blue Cross Blue Shield and CIGNA. All offer what are considered affordable coverages, depending on your stage in life and medical needs at this time. These are only a few of the many companies you can consider.