Think you can't find affordable health insurance if you're self-employed, or your employer doesn't provide it? While it is true that health insurance has become expensive, there are a few options for cheap health insurance. Here are two forms of cheap health insurance.

Cheap Individual and Family Health Insurance Plans

Managed care plans such as an HMO offer rates lower than traditional health insurance plans. By using a network of care providers, insurance companies can provide quality health insurance at a lower price. There are many different types of HMO insurance plans with various types of coverage. Basic plans can be surprisingly cheap.

Under an HMO you will have a primary care doctor who is the gatekeeper to all other medical care. An HMO usually requires a co-payment for doctors visits, the amount of of the copayment is from $10 to $20 per visit. Most HMOs encourage preventative health care for their members.

Another type of plan that is gaining popularity fast is the (HDHP) High Deductible Health Insurance Plan. This plan also uses a network of care providers to help reduce costs. The other way it reduces costs is with a high deductible amount. You still get complete coverage for accidents and illness, but with a higher deductible. Deductibles for this type of plan range from $1000 up to $10,000.

If you are a relatively healthy person, a high deductible health plan could save you a lot of money in the form of lower monthly premiums. Be sure to look at few of these plans before you make a decision on a policy.

Researching the different insurance companies and plans, will help you find the cheapest health insurance. Everyone needs health insurance and new types of low cost plans are being developed by major insurance companies to provide coverage for everyone.

Cheap Health Insurance Quotes

Because 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 cheap individual and family health insurance quotes in a matter of minutes. By filling out a simple request form, you can get low cost quotes from insurance agents and companies in your area.