Millions of Americans are looking for a health insurance plan they can afford. More than 40 million people are uninsured and up to 60 million more don't have sufficient medical coverage.

Individual Health Insurance Plans

One of the easiest ways to to keep your insurance costs down is to get a policy with a high deductible. This is a good way to save money if you and anyone else on the policy is in generally good health. A deductible of $500 or more can mean big savings on your premium. Deductibles of $1000 or more are not uncommon in the battle to keep health insurance costs down.

An HMO managed health care plan is another good way to get low cost health insurance. It provides health care through a group of doctors, medical personnel, and hospitals that have made contracts with insurance providers.

If you needed medical care, you would have to go to the HMO clinic or doctor in your area. HMO clinics have many types of doctors within their network to treat whatever injury or illness you might have. A small copayment of about $15 is usually required for doctor visits.

Low Cost Individual Health Insurance Quotes

One of the best ways to get affordable health insurance 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 can look closely at the policies and decide which one is the best for you.