The cost of going to a doctor or hospital is constantly on the rise. For someone who doesn't have insurance, even a simple illness or injury that requires medical attention can be an overwhelming and expensive. While finding affordable insurance can be difficult, doing so can save a great deal of money in the long run.Insurance is often provided through an individual's employer. Because large businesses and corporations can get excellent group discounts on health insurance plans, they are able to pass on the savings to their employees. Unfortunately, fewer and fewer companies are providing their employees with good insurance with affordable premiums. Thankfully there are options for individuals who are unable to obtain insurance through their place of work.
Affordable Health Insurance for Low-Income Families
Low-income families and those who fall into certain categories such as pregnant women and people with disabilities are often eligible for free or low-cost coverage through the government. Medicaid provides coverage for countless individuals who are unable to afford insurance. In addition, Medicare is available to those who are over the age of 65. People who are under 65 but permanently disabled may also qualify for Medicare benefits. The benefits offered through Medicaid and Medicare vary, but they make health care affordable to many who are unable to pay for health insurance.
Low-income families and individuals who do not qualify for government-funded health programs may still be able to qualify for income-based health insurance through private insurance providers. Many companies have strict plans that limit the number of doctor or hospital visits in a year. By limiting how many times patients can use their insurance per year, they are able to offer the coverage at a more affordable monthly premium.
Affordable Health Insurance for Healthy Adults
Many large insurance companies also affordable health insurance coverage. Most of these policies are designed for healthy adults. By limiting coverage for routine exams and preventative care, they can provide ample coverage for emergency situations at an affordable price. Some private health insurance plans offer reduced premiums for individuals based on their health, lifestyle, and activity level. Many companies also offer reduced cost plans for those who are only looking for routine and preventative care. They will not provide any coverage in the event of an emergency, but by ensuring patients undergo routine exams and screenings, they can prevent the chance of illness. While it is not always easy to find, affordable health insurance plans are available for most every situation.