Low Cost Health Insurance

Welcome to our Low Cost Health Insurance mini website. Here you will find a directory which consists of websites which provide online health insurance premium quotes, a discussion about the state of health insurance in the United States, and current news and videos about low cost health insurance. Here we also provide a health insurance book store. If you are seeking information about health insurance and are looking for low cost health insurance, the information provided here should be useful.

Currently, there are 47 million Americans who do not have health insurance. If you do not have health insurance, it is to your benefit to seek and find some sort of coverage. A catastrophic illness can be financially devastating. The cost of medical care in the United States has steadily increased, which means health insurance providers must raise their premiums. This dilemma has steadily grown worse over time. Their is no easy answers to solve this current problem.

Many health care industry experts believe that we should have a system of socialized medicine as seen in Canada, but this type of system really is not as good as some people think it is. In Canada it is not uncommon for patients to die waiting for critical surgery which can save their life. In Canada, there is a lot of waiting for necessary procedures, tests, and doctor visits.

United States Presidential candidates all have their own opinion about a resolution to this major problem. Indeed, this is a very important issue and where a candidate stands on this issue may be one of the important determinants in terms of the outcome of the 2008 presidential election. The large number of individuals which do not carry health insurance is a major problem in the United States, and it is a problem that needs to be seriously addressed by law makers.

Many young people, and sometimes not so young, are working but their company simply does not provide health insurance, and concomitantly they do not qualify for Medicaid. They simply can not afford the premiums needed for health insurance. This group of people simply fall through the cracks of the health insurance system in the United States. Many young people have a tendency to think they will not need health insurance because by and large they are healthy. But even young people can develop a catastrophic illness, or may be involved in an accident.

In the United States, the number one cause of death and injury for young people ages 5 to 27 is auto accidents. In 2003 there were 6,328,000 car accidents in the US. In that year these accidents resulted in 2.9 million injuries and 42,643 people were killed. It was not known how many of these injured people did not have health insurance, but you can determine that if 47 million are uninsured, and our current population in the United States is 303 million, that means about 16% are uninsured. If we take that 16% and apply it to the number of people who are injured in car accidents, 16% of 2.9 million injuries from car accidents is .46 million or around 460,000. So can it be said that approximately 460,000 people who were injured from a car accident did not have health insurance in 2003?

This is obviously a rough estimate because there are other factors involved. It is known that the leading cause of death and injury for young people in the United States is auto accidents, and it is known that a large number of the uninsured in the United States generally speaking are younger. The point is obvious, if you are young and you are uninsured, you are taking a major financial risk.

But here we are just talking about the number of uninsured who were injured from car accidents in the United States. There are numerous other possible catastrophic illnesses which the uninsured may have to deal with, and almost always it is unexpected. Point being, if you are young or not so young, and you currently do not have health insurance, you are much better off having some form of coverage, even if the coverage has a high deductible. You simply can not afford to be without health insurance.

In the United States, for the low income, their is the safety net of Medicaid, and for the elderly the safety net of Medicare. But if you do not qualify for these, you should provide yourself with some low premium coverage, even if the coverage is not very good. Remember, if you do not have health insurance and you need medical care, you will be responsible for your medical bills. A catastrophic illness can result in medical bills easily exceeding $100,000. So if you are seeking health insurance, the following directory should be useful. This directory consists of a list of websites which provide online quotes. Remember, even if the coverage may not be the greatest, and you may need to pay a high deductible and or a high copayment, this type of poor coverage is better then no coverage at all.

Low Cost Health Insurance - Website Directory

• Low Cost Health Insurance - eHealthInsurance
  Description:
  Compare health insurance quotes, medical insurance plans. eHealthInsurance helps you find affordable health insurance, individual health insurance, and major medical insurance.
• Low Cost Health Insurance - Health Insurance Quotes
  Description:
  Get connected with insurance agents in your area. Mtdn.org’s mission is to save you both time and money when you are in need of a insurance policy.
• Low Cost Health Insurance - Individual and Family Medical Insurance Plans
  Description:
  Instant health insurance quotes. Quote and apply online or speak with an agent in your area. Compare health insurance plans for individuals and families.
• Low Cost Health Insurance - Health Insurance Finders
  Description:
  Health Insurance Finders official site, where consumers get free health insurance quotes and find affordable medical insurance. Low cost medical coverage on group, family, or individual health insurance plans.
• Low Cost Health Insurance - NetQuote
  Description:
  NetQuote provides you with up to five competing rates. You will receive personalized competitive quotes from multiple local agents.
• Low Cost Health Insurance - Health Benefits Direct

  Description:
  At Health Benefits Direct you can shop, compare, and apply for affordable health insurance, online or by phone, from multiple highly-rated insurance carriers.

• Low Cost Health Insurance - UnitedHealthcare
  Description:
  UnitedHealthcare offers health insurance coverage for individuals and families through its affiliates including United HealthCare Insurance Company, Golden Rule Insurance Company, American Medical Security Life Insurance Company and PacifiCare Health Systems.
• Low Cost Health Insurance - 2Insure4Less.com
  Description:
  2Insure4Less.com is a FREE consumer referral service enabling insurance consumers nationwide to quickly find the best rates on various insurance products.
• Low Cost Health Insurance - InsureMe
  Description:
  InsureMe is a free service that helps people find the most competitive insurance rates available.
• Low Cost Health Insurance - Health Insurance Quotes: Compare Rates - MSN Money
  Description:
  Get free health insurance quotes from top insurance companies and compare rates.
• Low Cost Health Insurance - Health Insurance for Individuals and Families from Assurant Health
  Description:
  Quotes for both temporary and permanent health insurance from Assurant health.
• Low Cost Health Insurance - VitalOne Health
  Description:
  VitalOne, Inc. is a company you can depend on. The plans are underwritten by insurance carriers that are rated Excellent by A.M. Best, which assures you of their continued financial strength and ability to pay claims.
• Low Cost Health Insurance - Health Insurance 360
  Description:
  View 20 quotes in under 20 seconds from top health insurance companies. Save time and money shopping for health insurance now!
• Low Cost Health Insurance - Affordable Health Insurance
  Description:
  Get Up To 5 Free Health Insurance Quotes.
• Low Cost Health Insurance - QuickQuote
  Description:
  Get individual or family health insurance quotes from QuickQuote.com. They provide health insurance quotes from a variety of health insurance companies.
• Low Cost Health Insurance - HealthInsuranceSort.com
  Description:
  Health insurance quote comparisons between top carriers. Find affordable individual health insurance and buy online. Save time and money with health insurance quote comparisons.
• Low Cost Health Insurance - HealthCoverageQuotes.com
  Description:
  Compare affordable health insurance quotes, and medical coverage plans. HealthCoverageQuotes com can assist you in finding affordable health insurance.
• Low Cost Health Insurance - Health Insurance Resource Center
  Description:
  Affordable health insurance for the individual, the family and the self-employed.
• Low Cost Health Insurance - HealthInsuranceApplication.com
  Description:
  Temporary Short Term Health insurance Quotes for Students , Individuals and Families as well Travel medical Insurance or Temporary health insurance.
• Low Cost Health Insurance - Health Insurance Online
  Description:
  Get an affordable health insurance quote from a variety of health insurance providers such as UniCare, Anthem, and Blue Cross.
• Low Cost Health Insurance - USInsuranceOnline.com
  Description:
  For whole life insurance quotes, online health insurance quotes, homeowners insurance quotes or a homeowner insurance quote, find fast, free insurance quotes.
• Low Cost Health Insurance - Celtic Insurance Company
  Description:
  Celtic Insurance Company is one of the country’s leading nationwide individual health insurance providers.
• Low Cost Health Insurance - Health Insurance Point
  Description:
  Compare plans and see for yourself who has the best rates.
• Low Cost Health Insurance - InsuranceTracker.com
  Description:
  Health Insurance Quotes. Find free health insurance quotes fast and learn about policies for group health insurance, individual care, long term care, and disability insurance.
• Low Cost Health Insurance - i5ive
  Description:
  Get a quote from the leading health insurance providers.
• Low Cost Health Insurance - Health Plan One
  Description:
  Health Plan One is a licensed health insurance agency and a leading online health insurance marketplace, where you can find health insurance quotes and affordable health insurance plans.
• Low Cost Health Insurance - iWebQuotes - Health Insurance Quotes
  Description:
  Receive a free health insurance quote on affordable individual and family health plans from a quality company such as Blue Cross Blue Shield, Humana and United Health Care. Read their articles about short-term, HSA and major medical plans.
• Low Cost Health Insurance - 1stHealthInsuranceQuotes.com
  Description:
  Health policies are complex, requiring research before making a purchase, but they can help get you started through online tips and quotes.
• Low Cost Health Insurance - eHealthInsurance
  Description:
  Affordable health insurance quotes. Find individual and family health insurance plans. eHealthInsurance helps you find affordable individual and family health insurance.

Low Cost Health Insurance - Conclusion

Health insurance, more specifically the lack of it, is a major problem in the United States. There are people in the United States which fall through the health insurance cracks. These people are mainly those who do not qualify for Medicaid or Medicare, and yet they can not afford to pay for health insurance. The company or business they work for does not provide their health insurance. So what should these 47 million Americans do who do not have health insurance? These people would be much better off paying a low monthly premium, and have less then adequate coverage, then not have any coverage at all. Remember that a catastrophic illness or an accident can strike any individual regardless of age. Health insurance should be considered a necessity, just like food, clothing, and shelter. It is much more desirable to have some form of coverage, then to have to pay off medical bills from a catastrophic illness the rest of your life. Hopefully, when a new United States president enters office, a real national heath care plan will at some point be implemented during his or her four years of presidency. This is something that would benefit all Americans.