While there are some who get benefits through their employers or through governmental programs, there are many people who have no such insurance whatsoever.

Having health insurance is important, not just because it's designed to save money, but also to guarantee that a patient can even be treated. The growing trend for doctors and hospitals is to only take patients who are insured.

If a patient doesn't have insurance they are often sent home. In addition, health insurance often covers prescription medicines. Prescriptions can cost thousands of dollars a month for people who aren't lucky enough to have insurance.

Universal health care is not in place in the United States, so having the right insurance cover is absolutely essential to ensuring that people are covered medically and dentally in case of emergencies.

Affordable Health Insurance - Where To Get Quotes

There are plenty of places to get insurance quotes. A simple search on Google will find thousands of pages of companies promising to offer great value schemes to give you health cover. Sadly, a quite a few of those pages are scams.

The best way to get affordable health insurance is to go through an insurance ratings program to decide which program is right for you. Also, checking with local city and state resources can turn up several leads to reputable companies.

Some states have state-wide benefits in place for people who meet certain income requirements.

EHealthInsurance is a website that is designed for the insurance consumer. A visitor to the site can get quotes on different forms of health-related insurance and can compare plans from different insurance carriers.

Site visitors can choose the companies and plans they are most interested in and request more information from the companies themselves. While the quotes are reliable, signing up for this service is also a great way to get on the mailing list of every insurance company under the sun.

As always, you should use caution before entering an email or mailing address.

Affordable Health Insurance - The Big Players

Arguably, the most respected insurance company is Blue Cross Blue Shield. Blue Cross Blue Shield is a nationwide insurance corporation and is probably the most widely accepted health insurance nationwide.

It offers medical coverage, dental coverage and even vision coverage. There are plans available for even the most financially strapped individuals.

Also, Blue Cross Blue Shield helps patients avoid the rigmarole often encountered when trying to get less well respected companies to cover them.

Affordable Health Insurance is certainly on the mind of many Americans, and insurance companies (particularly HMOs) have gotten a bad reputation in the last couple of decades.

Unfortunately health insurance is one of those things that people just have to have, to guarantee that in an emergency they can be seen, treated and sent home (hopefully) without owing tens of thousands of dollars to practitioners.

Choosing an Insurance company should not be a snap decision. Potential subscribers should weigh all of their options before making a decision on the affordable health insurance they buy.