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I don't make a lot of money can you recommend a cheap health insurance plan?

Absolutely! There are many different things that you can do to save money and find a cheap health insurance plan. You may want to consider looking for a Health Savings Account health insurance plan (also called “HSA”). Health Savings Accounts typically have higher deductible than traditional health plans, lower monthly premiums, and a savings account that gives some awesome tax benefits (you can read more about HSA’s by reading the Health Savings Account article).

Another thing that you can do is to make sure that you choose an individual health insurance plan over a group health insurance plan. Unless your employer pays most or all of your premium for the group plan (then of course take the free money and stay on the group plan!) then you will find that the individual health insurance plan will be much cheaper than the group plan. Everything else being equal, an individual plan will be approximately half the cost of a similar group plan.

If you have children and are considered low income by your State then you can also ask an agent in your State about the State Children’s Health Insurance Program. These programs differ from state to state but they can provide some health insurance benefits for children of low income residents (you will still need to look for health insurance for yourself though).

Even if you have to choose a very high deductible in order to keep the monthly cost low then choose a comprehensive major medical health insurance plan from a reputable insurance company and stay away from discounts cards and indemnity plans. The best way to find the best rate is to let competition work to your favor! Use our free quote finding tool to compare all of the top insurance company’s rates side by side. Get free health insurance quotes now!