The Internet abounds with websites where you can get free quotes for low cost individual and family health insurance. Typically, the lowest price health plan will be an HMO or an HSA. Here is a look at these two popular plans.

Affordable Individual and Family Health Insurance Plans

Individual and family health insurance plans from major insurance companies are readily available on the Internet. You can purchase one of these policies for yourself or your family if you are self-employed or your employer does not offer health insurance benefits.

(HMO) For many people, an HMO gives the most comprehensive coverage at the lowest cost. The reason an HMO costs less is because of the network of doctors and hospitals an HMO contracts with. Insurance companies negotiate for lower rates from doctors and hospitals to provide care for members of the plan. For this reason, HMOs tend to focus on preventive care to help keep it's members healthy.

(HSA) An HSA health plan is a high deductible insurance policy that works together with a Health Savings Account to provide medical coverage. Most major health insurance companies offer plans of this type at a surprisingly low monthly premium. A High Deductible Health Plan is basically the same as an HMO but has a higher deductible amount. Deductibles start at $1000 and can go as high as $10,000.

Low Cost Health Insurance Quotes

Now that almost all major insurance companies have made their medical plans available online, you can go shopping for health insurance any time, night or day, and find affordable individual and family health insurance that fits your needs and your budget.