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Like many Americans, I found myself without health insurance for a period in my life because I didn’t think I could find affordable health insurance rates. But the whole time, I felt like I was living on the edge and needed to go ahead and get some coverage. So then I wondered if anybody else I knew were in the same boat as me. I decided to ask around to see if any of my friends or associates were currently without health coverage and why. Out of 30 surveyed, 6 had no health benefits (that’s 20%!) - I was stunned. The uninsured ones were self-employed, between jobs, students, or at-home moms.

So I took it upon myself to search for affordable health insurance rates and found quite a few options. I secured my insurance and had a peace of mind that I can not explain. Let’s just say I felt much better, and was prompted to create a website to help others save some time since I had already done the research.

Though it is understandable why certain people were experiencing a lapse in their health coverage thought a rate of 20% was very high. Or at least higher than I expected. So I asked them why they were uninsured. All of them said they ‘never got sick’, but more importantly, they said that individual health insurance rates were too high which meant it would not be affordable in their budgets.

Next, I asked what rates they were quoted (since they said they would not be able afford it). Amazingly, they all had the same response. Each of them indicated that they never even put much effort into finding affordable health insurance rates because they already assumed they were too high, and it was going to cost too much, plus, they ‘never got sick’.

So then I asked, ‘But what about emergencies and accidents? What happens if you twist your ankle and think it’s broken? What happens if you’re making dinner and seriously cut yourself? Are you financially prepared to pay out-of-pocket for emergency and follow-up services without insurance?’ Again, they each had the same response. This time, they all said ‘no’. Then in dramatic fashion, I thanked them for their time and left them with that last question to ponder, and a link to my website.

A week later, one person started a new job and got group medical insurance at work. But, to my surprise, three others emailed me and said they got affordable individual health insurance after using my website and they were thrilled.

The moral of this story is that I think it’s really a shame that people (including me) automatically assume that health coverage is not affordable without even checking around! With so much help finding low health insurance rates, it’s worth a little time. Anything can happen at any time. A low, affordable monthly insurance payment can save you a ton of money, headache, and heartache in the long run. Take the time for your peace of mind. It really is worth it.

- Ken S.

Founder, LowRateSearch

The health insurance market is massive and can be a very confusing place sometimes. There are so many different plans available and it seems that you could spend as much as you want on ensuring coverage for yourself and your family. As we get older, one of our main priorities is often an affordable senior health insurance plan.

With the increase in companies who deal only via the internet, one of the best places to start looking is with one of the well stocked search engines that are available. You may think that anyone looking for an affordable senior health insurance plan would not be up to date with technology. This, it would seem, is not the case. A study carried out in California has reported that seniors spend more time online that any other adult age range! Much of their time is spent in hunting out that health insurance.

If you have a look at the search results for example ‘affordable senior health insurance’, you will be bombarded with offers of help from a variety of companies. Some of these will be the insurers themselves, some will be brokers and some will be agents. If you are unsure about the type of insurance that would suit you best and is within your budget, one of the best solutions may be to use an independent advisor or agent. They will probably charge a fee but do have the advantage of being specialists in the field and having up to date information regarding the rates that the various health care companies are offering. These rates are very changeable, sometimes on a daily basis and can make a big difference to your premiums.

The different types of plans should also be researched. There are a great number of options for seniors when it comes to insurance programs and it can be very confusing. If you are researching the market yourself make sure that you check out all these options including gap plans and subsidiary specialist plans. Medicare has an ‘add-on’ plan which you can subscribe to for example, which expands the Medicare facility through a private health insurance plan. They also have a policy which can be used to reduce any ‘gaps’ in your coverage. This may be a good starting point in your search for affordable senior health insurance and will give you an idea of what is available through the national insurance program.

Although your search may be quite time consuming and you will be hit by the sheer number of possibilities available to you, it will be time well spent. It is important to have good cover as this is a time when you want to be free from stress and worry. Less stress means a healthier life and having organised some affordable senior health insurance is certainly a comfort.