Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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You can find affordable health insurance for families online, through a job, and through the government. There are many plans, options, and payment levels available. The biggest mistake people make is going without insurance because they think they cannot afford it. The following article will provide additional information on finding affordable health insurance for families.

To obtain online health insurance rates just type in your zip code above!

How do I find affordable health insurance through work?

The majority of Americans find their main source of health insurance through their jobs; although with the cost of medical insurance steadily rising, some companies are opting for other ways of providing for employees. If you have a traditional health insurance program through your job, it is best to take advantage of it.

It will almost always be cheaper and provide more coverage than trying to find a program on your own. The healthiest individuals are least likely to benefit financially from these plans as they pay the higher costs of the higher risk members of these plans

Affordable health insurance for families keep them happy.

who can not be turned down.

A traditional program through employment will typically provide full or partial coverage for the employee. If you are single, this is a great option. If you are married and/or have children, you can add them to the plan for an additional monthly cost.

Obviously, the more family members you add, the more your monthly premium will be. Plans typically are available for just the employee, the employee and spouse, the employee and a child, and the employee and family which would be for a spouse and two or more children.

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How do health savings accounts save money?

Out of pocket expenses will include the premium amount not covered by the employer, co-pays, and deductibles.

Many companies offer a Health Savings Account. This type of account allows you to designate an amount of money that you think you will use in one calendar year on co-pays, deductibles, over-the-counter medication, prescriptions, and other medical related expenses.

The designated amount is divided by the number of pay periods and that amount is deducted from your paycheck before taxes each pay period.

The great thing about health savings accounts is that the entire amount you choose for the year is deposited into the account at the beginning of the year even though the deductions will take place per pay period. This means if you are planning a surgery, need glasses, or know of another lump sum medical event, you can have the money available right away. Choose the amount wisely, however, because whatever you don’t spend, you will lose.

How do I find affordable family health insurance through the government?

Another way to find affordable health insurance is through the government. In some cases, this means straight Medicaid. If you qualify financially, Medicaid will cover health expense for your family for medical, dental, and vision. Medicaid is meant to be a short term solution for those who cannot find or afford health insurance until they are able to do so. This may be due to loss of a job, birth of a baby, a temporary disability or another temporary event.

If you don’t qualify for straight Medicaid, you may qualify for a partial government assisted health insurance program. These types of programs still require a monthly premium payment and sometimes a co-pay. The amount is dependent on your income level and the number of people who will be on the plan. This too is meant to be a temporary solution for families in need. Many states also offer programs for children only. If you are a low income family this might make good sense.

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How can I find affordable health insurance online?

The number one way that people shop for health insurance is through the Internet. Looking online allows you to survey different companies, health care plans, and options without making a lot of phone calls or shuffling through the yellow pages. Online health insurance options are great because they will be able to tell you what is available in your state and in your area and will be familiar with state laws and regulations.

As with all Internet related services, make sure you find a company that is reputable. A reputable company will have a website that is easy to access, has a phone number in plain view, provides additional contact information, will give a quote if needed, and will not ask you personal information until you are ready to apply for your health insurance. Keeping these things in mind will help you find the right type of sites.

To save even more time and narrow down your affordable choices even more, you can use a free third party tools that offers insurance rates from several companies at once. This type of tool will provide you with information from several different health insurance companies that you can compare side by side.

Use the health insurance rate tool above to find affordable insurance for your family today!