By Richard Ambrose
If you are unemployed or self employed, cheap medical insurance can be hard to find. Due to this fact, many Americans decide to remain uninsured rather than pay high insurance premiums.
If you are employed, chances are you are enrolled in your employer's group plan and they pay a large portion of the premium. The self employed and unemployed do not have group plans available to them, therefore they are left to pay the entire premiums themselves, which prove to be very costly.
The proposed health care bill will require everyone to have medical coverage or face an annual fine. To avoid any fines you can purchase a state provided subsidized plan or you can seek your own cheap medical insurance.
For many people whose budgets are being pushed to the limit, adding a medical plan to their list of bills will be difficult. When the proposed plan gets passed, the uninsured will have another expense. The added expense will be an insurance plan or the annual fine they will face if they don't have insurance.
It is best to start looking for cheap medical insurance now before the law makes it a requirement. By shopping now, you will have time to compare quotes and plans instead of settling for a plan at the last minute.
You can start your search for cheap medical insurance by going online and doing a search for insurance providers. You get results for well know providers as well as lesser know regional providers. Do not limit your search to well known providers with the belief that you will get the best price. Regional providers can also provide low cost quotes.
Plans will differ in amount of coverage, co pays, and deductibles which will affect the cost of the premiums. When doing a comparison for cheap medical coverage, be sure you are comparing similar policies. A plan with a $250 deductible will differ from a plan with a $1000 deductible. Comparing these plans based on price alone doesn't give an accurate comparison because the policies are different.
New laws will force many Americans to get insurance or face fines for being uninsured. Rather than paying fines and getting nothing in return, you should be seeking cheap medical insurance now. If you wait until it's too late, you will be forced into a state provided insurance program.
You will have fewer options to choose if you decide to take this route. It will be best to start researching plans now and educate yourself about different policies, coverages, co pays, and deductibles and how they fit your individual needs.
Finding cheap medical insurance is easy as going online and performing a search. Be proactive in finding your own health coverage and don't wait for the government to force you into a plan.
Start your search for cheap medical insurance by getting a free quote here. Take charge of your health by getting a quote at http://www.healthquoteonline.info
Article Source: http://EzineArticles.com/?expert=Richard_Ambrose
Start Shopping For Cheap Medical Insurance Now Before New Laws Make it Mandatory
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