You hear stories in the news all the time about people who survive a catastrophic medical setback only to end up with a virtual lifetime of bills ahead of them. Had these people had health insurance, they wouldn’t be facing soaring out-of-pocket expenses, possible bankruptcy, or worse. You may think that low cost health insurance is beyond your reach but it’s not; and all it takes is a little comparison shopping to find it.


There are many low cost health insurance options out there. For instance, a lot of plans offer fee-for-service coverage, in which you can see any healthcare professional of your choosing. You pay out-of-pocket at the time of service and then the insurance company will reimburse you for a percentage of the cost, usually up to or around 80-percent.

Most low cost health insurance plans fall under the umbrella of managed care. Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO) are two such examples of managed care plans. These allow you to seek a wide range of healthcare options for a monthly premium. There may also be a deductible you will have to fulfill before your coverage kicks in. Thereafter you will usually be responsible for a small co-payment each time you see your physician.

Whichever low cost health insurance plan you’re leaning towards, make sure you do your research and take into account important considerations such as:

• deductibles
• pre-existing condition clauses
• coverage limits
• exclusions
• out-of-pocket maximums
• plan flexibility
• prescription drug coverage
• co-payments and so on

Once you’ve determined your needs, you’ll want to obtain a quote from several companies that have plans that fit your criteria. Luckily quotes can be obtained right here at InsuranceUSA.com. These can be easily accessed by filling out and submitting a quick form. Low cost health insurance may be but a few mouse clicks away!