If you cannot afford health insurance one of the cheapest way to purchase a health insurance plan could be through an employer, but if this isn’t an option for you here are some other choices.

If you have been fired from a job or you previously had health insurance you may be eligible to continue your coverage through COBRA insurance for up to 18 months. You have to pay for the entire cost of the insurance yourself, so this may be an expensive choice. However, you won’t have to worry about changing healthcare providers.

If COBRA isn’t an option for you, you need to start looking for the cheapest insurance plan you can find that will still offer the coverage you need. First, consider how much coverage you need. If you are young and in good health you can save money by choosing a major medical plan rather than opting for full coverage. Major medical insurance covers larger expenses such as surgery or injury, but you pay for smaller expenses such as routine office visits yourself.

Some other ways to lower your health insurance costs is choosing a PPR or HMO plan, selecting higher deductible on co-payment amounts and kicking bad habits like smoking, and beginning new habits such as exercises. Also, when you are getting the insurance make sure you know of the discounts which apply to you. For example, if you are a senior citizen, have some disability or maybe even a bright college student, you get special discounts from the health insurance companies.

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