Depending on the type of health insurance one is looking for, when choosing a policy, there are many ways for purchasers to find lower rates, while still getting the levels of coverage they need.
In some cases, certain individuals will specifically seek out an employer which offers insurance packages, while other individuals are going to rely on other means to purchase their policy.
But for individuals who do not receive coverage through work, and are otherwise not capable of affording the high rates which health insurance providers charge on a month to month basis, you must consider other methods of obtaining a policy that is affordable for you and your family. If you are in this situation and do not have it in you budget to pay for a policy or premium plan, then consider the following options. One of them just might be the answer to gaining the health insurance that you have been looking for.
For those who have difficulty affording the higher premium rates, one option to consider is applying or inquiring about medicaid. This insurance provided via the US government is managed on a state by state basis.
The programs for medicaid are generally geared towards those who hold lower income positions, and will cover kids, adults, and any senior citizens who qualify for it. The fist step to applying for medicaid is to contact the local office in your state, to determine if you qualify, and to get the application process started.
Some people will be insulted by this suggestion, but we have all paid our fair share of taxes throughout our working lives and there is no shame in using services that we helped pay for.
A second option for those who do not receive health insurance through an employer is to visit a local clinic. There are various local health clinics, no matter what state or cities you live in. When you go in, asking about cheaper insurance plans they might offer, or inexpensive insurance premiums, is an excellent way for you to find the more affordable options.
Since these clinics tend to work with lower income or unemployed individuals, they have access to the lower cost health insurance policy providers, and they work with many insurers that offer them benefit packages, in order to provide a more affordable means for insurance for those who would otherwise not be able to afford insurance policies.
A third option to consider for a health insurance policy is visiting a local social services office in your city. The department of social services will offer information as to how to apply for lower priced policies, or even how parents can get free insurance (at least for the children, or if a family member has an illness which requires surgery or around the clock treatment). The department of social services is an excellent resource to learn what to do, and how to go about finding the most affordable options out there.