Health care has become very costly today, and naturally health policies demand a greater premium and deductible. Affordable health insurance provides you with a lot of choices to select from, and protect you and your family from unaffordable medical bills. But finding the right affordable health insurance is a tough task.

The saddest fact is that most of the affordable policies do not cover essential medical investigations, bills, prescriptions or preventive check-ups. So the first step is to check for the policies that cover all those medical emergencies you need at an affordable rate. Next is the credibility of the insurance company.

If you still want a cheap plan look for the Medicaid program in your state. The Family Services office in your area can provide you with the necessary application. This covers all the medical requirements of your family, like dental check-ups, eye care, emergency care and prescriptions.

The other option is to insure your family through your spouse’s employer. If your spouse is working in an organization that provides a group health insurance package, go for it. The Internet is another resource where you can find many affordable health plans. You have to spend some time searching in the net before you decide upon one.

While going for business with online companies, remember you have to check the credentials of the company, their business records and reputation. The next option is local insurance agencies. You can ask for quotes from many agents, say seven or eight. Thus you can check the different policies available in the market and you will find a plan that suits your budget.

Looking on the Internet is the best option because you can find a lot of companies and compare their quotes right online. Moreover, you will get the latest quotes as the online shops constantly updated.