Low Cost Individual Health Plans - Where to Get Them

A group health insurance plan is always going to be your least expensive insurance option, but sometimes you just can't get one and need a low cost individual health plan instead. How can you save on individual health care coverage and still get a good policy?


Lower Costs with an HMO

A Health Maintenance Organization, or HMO, is the lowest cost alternative for an individual health plan. With an HMO, you pay a monthly premium for comprehensive care that includes doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy. Preventive care, such as office visits, immunizations, well-baby checkups, mammograms, and physicals are also covered by most HMO plans.

You may have to pay a small copayment of $5 to $15 for each treatment, but your expenses usually work out to be much less than with a traditional fee-for-service insurance policy.

The disadvantage of an HMO is that your choice of doctors and hospitals are limited to those that have agreements with the HMO to provide care. In addition, you usually need a referral from your primary care doctor before you can see a specialist.



Go Online to Find the Best Plan

Did you know that health insurance premiums can vary by hundreds of dollars from one company to another?

Whether you choose an HMO or another type of health care plan, you need to get quotes from several companies so you can compare them and choose the best one. The easiest way to do this is to go online to an insurance comparison website.

On an insurance comparison website, you simply fill in an online form with information about yourself and your health insurance needs. Then you'll receive fast, accurate quotes from multiple insurance companies.

The best insurance comparison websites also offer a chat feature so you can get answers to your insurance questions directly from an insurance expert online or by phone (see link below).

By going online for your health insurance quotes, you don't have to take the time to call or visit multiple insurance agencies. Instead, the quotes come to you! It's quick, it's easy, and it's free.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get individual health plan quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.


The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on low cost individual health plans.