Regardless of whether you have a job, have lost your job, in-between careers or are self-employed, buying a low health insurance plan in terms of costs and premiums should be your utmost consideration. You can follow these simple steps in comparing the best insurance rates offered by various providers. You must first research information about high-deductible health insurance plans if you wish for a low monthly premium on an insurance plan. A high-deductible health plan is considered a low-health insurance plan because of its low premiums. However, you will be required to pay a high deductible before you can use its benefits. You should also ask for information on other low-cost plans with low monthly premiums. Low-cost insurance plans usually cover a set of doctor’s visits, hospital or accident coverage and prescription drugs. Net, you may choose between Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO) medical plans. Both PPO and HMO insurance plans have low health insurance features such as cheap premiums and fied fees for a range of medical services. You also have an option of combining both PPO and HMO insurance plans. Try to find a major medical insurance plan with a POS system which will allow you to choose HMO and PPO insurance features depending on your preferences. Sufficient information on low health insurance plans will allow you to assess the pros and cons of each low cost health insurance plan and its benefits. Be sure to eamine the plan's deductibles, covered epenses, prescription drug coverage, co-insurance rates, and maimum annual benefits. Lastly, you should consider a low health insurance plan that covers the services of your preferred physician. You may also search for information on Individuals plans which cover the services of your preferred doctor. Otherwise, you may have to use the services of the doctor within your plan’s network. -- June 19, 2009 @ 3:35 pm