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Discover What Group health Insurance Is All About

Individual health insurance plan is a very important part of your budget. Age does not matter since you can have health issues at any age that may keep you out of work for several months and that may cost hundreds of thousands of dollars. Here are some of the most frequent questions asked by people when looking for an individual health insurance plan.

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•Why do I need health insurance when I am single?

You should always have health insurance to protect yourself no matter what your financial situation is. If you develop a serious health condition or you have a surgery, your insurance will protect you from paying hundreds of thousands of dollars for medical bills from your pocket.

•Is it better to have a policy with high deductibles and pay less money each month or have low deductibles and pay more money each month?

This usually depends on the health of your family and the financial situation you are in. Generally, you can save more money on your insurance plan by having a higher deductible. But if you or your family goes to the doctor frequently then you can consider the insurance plans with lower deductibles.

•Will government help get coverage if I cannot afford one?

The United States passed reform bills for providing bto every American. This policy will be effective from 2014.

•What are deductibles?

A deductible is the part of the bill that is paid by you and the rest of the bill will be paid by the insurance company. For example, in your health insurance plan, if your deductible is $100 and your medical bill will be $800 then you will pay hundred dollars and the rest $700 will be paid by the insurance company.

•What are the drawbacks of high deductible insurance plans?

A high deductible plan can lower your insurance cost and by protecting you from large medical bill but you have to pay the initial bills from your pocket until you reach your deductibles. You will be paying 100 percent of the cost for doctor visits, prescriptions and emergency visits.

•Are short term policies a good option?

Short term policies last from one month to up to a year. When compared to regular insurance, you can get short term policies easily but these policies will not cover pre-existing conditions within last five years.

The best low cost insurance will include protection against full surgeries and it will also keep the monthly premium low thus, avoiding the burden on your budget. By just entering the zip code you, can find the best low cost insurance quotes and policies that suits you.