Low Cost Health Insurance

Finding low cost health insurance is a priority for many Americans today. But it isn't always easy to find a plan that fits within your budget, especially if you have pre-existing health conditions. If you have a family and would like to get coverage for everyone, consider getting a group health plan from your employer or on your own. These are the most affordable and include HMOs, PPOs and POSs.
Affordable Health Insurance Options
With the PPO, or Preferred Provider Organization, and HMO, or Health Maintenance Organization, you are given a network of physicians to choose from. Only the HMO requires you to choose one of their doctors as your Primary Care Physician (PCP). Using one out of their network would result to you enduring the full cost of the expenses rendered. With the PPO you get more freedom to choose any doctor, but by using one out-of-network will raise the co-payments. The premiums are higher for the PPO, making the HMO the cheapest. The POS is a combo of the two.
Another option you can go with is an HDHP, or High Deductible Health Plan. This may not seem like a low cost option, but once you pay the annual high deductible, your benefits will kick in. Plus, your premiums are much lower than average from the start. After enrolling in this type plan you will qualify for an HSA, or Health Savings Account, which allows you to save up tax-free money for your medical expenses - even for alternative healing treatments/procedures, eye care and chiropractor therapies. The HSA also allows you withdraw the money you’ve accumulated for other purposes once you reach retirement age