Can You Afford Health Insurance?
The real question is whether you can afford to be without health insurance. Consider the cost of medical care and it’s easy to see that any major illness - and some not-so-major ones - could bankrupt the average family. But what if you don’t have health insurance options where you work? There are some ways to get health care plans that you can afford.

Look For The Right Provider and The Right Plan
Many insurance companies offer specialized plans for specific target groups and you may find that you can benefit from this. One of the biggest savings may come in finding the company that specializes in people like you. While employer-based insurance companies simply cover everyone, insurance companies have the option to place new clients into particular categories. If you’re over 55, for example, look for insurance companies that specialize in insurance plans for older clients. You can also consider dropping some specialized coverage. If you’re a young woman willing to be without maternity coverage, you may save significantly. But before you make this decision, weigh the options - would an unplanned pregnancy devastate your family’s finances? Higher co-pays and deductibles will also lower the cost of insurance. That means you’ll have a larger out-of-pocket expense for doctor visits or hospital stays, but lower payments on your health insurance. Only you can decide if these are good options for your family. Before you choose, remember that inadequate health insurance may not be much better than no coverage at all. However, your plan will be completely worthless if you are unable to pay the premiums to maintain coverage.

Search For The Discounts
Are you under 25? Do you have a healthy lifestyle? Are you a non-smoker? You’ll find that health insurance companies are every bit as competitive as other service providers and there are some big discounts out there. Before you decide that you can’t afford health insurance, ask about discounts. You may find that you’re entitled to some big savings.