When people can't find an affordable group health insurance plan through their employer, they usually think that an individual health insurance plan is their only other option, besides getting health care through the government. You can buy an individual health insurance plan, but if you can't afford it right now, you might want to think about a major medical plan instead, which can help you get affordable health care.
When you compare individual health insurance plans to major medical plans, you'll probably find that major medical plans are usually more expensive. But you don't want something more expensive! You want health care that doesn't cost a lot. With a major medical insurance plan, you can be sure that you can get affordable health care. When you buy major medical insurance, your monthly premiums may be higher, but you will save money on major medical costs like major surgeries, long hospital stays, etc. These kinds of health insurance are much more expensive than, say, a regular checkup. These kinds of health care coverage are also the ones that will bankrupt you if you don't have it or enough of it and they happen to you. A regular health insurance plan for an individual won't cover as much money for major medical care as a plan for major medical care. At this point, those higher monthly premiums start making sense.
It is very important to have health insurance. Health care costs a lot, and the costs keep going up. If you don't have health insurance through your employer and don't qualify for a state-run plan, you must buy some kind of health insurance. Normal individual health insurance plans usually have lower monthly premiums, but major medical insurance plans cover more of the more expensive medical treatments and procedures. When looking for the most affordable health insurance plan for you, you should think about these things.
