Low Cost Individual Health Insurance Plans - How to Get Cheap Quotes Online

Low Cost Individual Health Insurance Plans - How to Get Cheap Quotes Online

While costs for medical care have continued to rise, there's still a way to get low cost individual health insurance. Here's how to find the lowest cost health insurance plan.

Low Cost Health Insurance Here are three types of health insurance with the lowest cost:

• 
  HMO A Health Maintenance Organization is the cheapest of all health plans. This plan is made up of a network of doctors and hospitals put together by your insurance provider. Doctor visits are covered under this plan but usually have a small copayment of about $15. Hospital visits are also covered.
  


• 
  PPO Preferred Provider Organization is the next level of managed health care. It is very similar to the HMO health plan but you have the option of seeing a doctor that is not in the network. Doctors and hospital visits outside of the network do come with an added charge.
  


• 
  POS Point of Service plans are the most expensive of the three managed care plans. This plan has the most options and consequently comes with a higher price. You may also visit doctors and hospitals outside of the network with this plan.

Depending on your needs you may want to include coverage for items such as maternity care, prescriptions, and vision care. Managed care plans can vary quite a bit from insurance company to insurance company so look at each plan carefully before deciding on which one to purchase.

Low Cost Individual Health Insurance Quotes

One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you need to look closely at the policies and decide which one is the best for you.