| Medical bills are responsible for more than half of the | | | | These plans charge you a monthly premium and cover |
| personal bankruptcies in the U.S., and that number is | | | | your doctor visits, prescription drug costs, and hospital |
| climbing. If you don't have health insurance you risk | | | | fees. You are responsible for paying a deductible |
| losing everything you own. Here's how to get | | | | before your insurer will pay for your medical bills, and |
| affordable family health insurance quotes so you won't | | | | you'll also have to pay a percentage of those bills |
| face that situation. | | | | (usually 20%). |
| Government Sponsored Programs | | | | Indemnity plans are the most expensive plans and |
| There are a number of no-cost and low-cost | | | | involve the most paperwork. |
| government programs you may be eligible for. These | | | | Managed health care plans (HMOs, PPOs, and POSs) |
| include: | | | | - These plans charge you either a monthly premium or |
| Federal programs - Medicaid is a federally funded | | | | charge you for services as they're rendered. They |
| health insurance program that provides health care for | | | | pay for your doctor visits, prescription drug costs, and |
| low-income adults and families, pregnant women, | | | | hospital fees. You are assigned you to a group of |
| elderly adults, people who are disabled, and people | | | | health care providers - doctors and hospitals - you |
| who care for a disabled family member. For more | | | | must use for your care. |
| information on Medicare, visit the Medicare website at | | | | Managed health care plans are the cheapest plans |
| medicare.gov. | | | | and involve the least paperwork. |
| State programs - Every state has a number of health | | | | Affordable Health Insurance |
| care programs for low income adults, families, and | | | | In order to get affordable health insurance you first of |
| children. For instance, the Children's Health Insurance | | | | all need to choose a plan that fits your needs, then you |
| Program (CHIP) is available to families who cannot | | | | need to compare rates to see which company has |
| afford to pay for insurance for their children but who | | | | the most affordable rate. |
| earn too much to qualify for Medicaid. For more | | | | Visit or click on the following link to get affordable |
| information about state-sponsored programs and to | | | | family health insurance quotes from top-rated |
| see if you qualify for any of their programs, visit your | | | | companies and see how much you can save. You |
| state's department of health services or department | | | | can get more tips and advice in their Articles section, |
| of human services. | | | | and get answers to your questions from an insurance |
| Private Plans | | | | expert by using their online chat service. |
| If you don't qualify for a government sponsored health | | | | The author, Brian Stevens, is a former insurance agent |
| care program your other option is a private health care | | | | and financial consultant who has written a number of |
| plan. These plans fall under two categories: | | | | articles on how to get affordable family health |
| Indemnity plans (also known as fee-for-service plans) - | | | | insurance quotes. |