Many of us are fortunate to be covered for health care insurance by our employers; often, an employer will qualify for a favorable premium rate through group coverage, and will kick in at least part of the premium cost. Also, family members can be covered through an employee plan. In this ideal scenario, we hardly even notice the premium payments that are automatically deducted from our paychecks each month.
However, if we are not in this position — if we are self-employed, or unemployed, or otherwise find ourselves uninsured, then finding adequate health insurance coverage on our own can seem a daunting task. Going without insurance is unadvisable, even for the young and healthy — health care costs are astronomical, and a single accident or hospital stay can be financially devastating.