In general, the premium for private health-care plan is always higher than group medical coverage. For those people who are self employed or unemployed, it is important for them to search for affordable health insurance so that their health will be well taken care of.
How can we obtain "low cost" medical plan?
First thing first, prevention is always better than cure. You are required to keep your body fit and healthy by doing regular exercise and having balanced diet. When your body is healthy, you will definitely be able to obtain insurance coverage and you do not need to worry about pre-existing condition at all. If you are on tight budget, you can just stick to catastrophic medical plan which is the cheapest in the market.
Secondly, in order to obtain low cost plan, it is a must for you to be a non smoker. If you are currently a smoker, you are advised to quit smoking immediately for the purpose of keeping the health insurance cost low. The insurance providers usually require the policy holders to pay higher premium if they smoke.
Thirdly, if you want to obtain affordable medical plan, you are advised to do most research in the market. You need to compare as many types of policies as possible before you decide to purchase. With careful evaluation, you will be able to find out a plan which suits your needs most and it provides you the most value.
Last but not the least; bear in mind that the "cheapest" plan does not mean it is the best. You must read the detailed policy carefully to know your benefits before you sign up for the plan.