Health is wealth. This is ubiquitous regardless of whether you have or don’t have enough to sustain. Health per se is a way to maintain your overall well-being, and this makes it imperative to have an insurance in place. A one-time yet a judicious and cheap medical insurance goes by the thumb rule of buying when one is young and healthy.

Coverage rates in a medical insurance is a pretty much cumbersome affair and also expensive. Also scouting for a cheap medical insurance could be time-consuming and tricky but quite invaluable for your family.

To start with, the Affordable Care Act should be the first option for medical insurance. This program ensures easy and cheap insurance for low-income families with Medicaid eligibility. The scheme isn’t always economical and sometimes not applicable to all US citizens; this is where private insurers have come to rescue. You can choose to hire a healthcare expert or a health insurance agent to understand your financial capability, general well-being of yourself and your family members, and other financial liabilities to customize your medical insurance. Choosing to be without any medical insurance can put you at a disadvantage, and hence you can still wisely choose a cheap medical insurance by considering the following points:

• State setups by the ACA is a must, yet don’t restrict yourself by not looking for other options. Do some smart shopping with insurance until you find one. With the digital platform so robust, you have an unlimited opportunity to look, compare, and buy insurance.
• Filter out all the available cheap medical insurance quotes in the market.
• Don’t favor specific agents; yet in case you are spoiled with choices, an agent either or an independent consultant can be a great deal of help in choosing a plan.
• Online health insurers should be also considered while searching.
• Do not wait around while purchasing an insurance since coverage rates can shoot up instantaneously. Plan early. The younger and the healthier you are, medical insurance cost can become lesser.
• Special programs such as Medicare, Medicaid, and CHIP must be checked in case you are looking for low-cost federal healthcare schemes.
• ACA lets you stay on your parents’ health insurance plan provided you are under 26. Additionally, this turns out cheap even if you get married or financially independent, provided the insurer offers in-network care providers in your area where you live.
• To keep your premiums low, go for a high-deductible plan. This is best suited for those who are young and healthy. On the contrary, you can also open a Health Savings Account to use the tax-free money for your health care.
• Stay focused and purchase the coverage only and not the extras.
• Check your policy from time to time to avoid any discrepancies.
• While looking for cheap medical insurance, you can also opt for temporary or short-term plans but be aware of the pitfalls. ACA won’t entertain health protections in such case.

The market is flooded with tons of healthcare life insurance companies, but this needs a proper due diligence of oneself and the plan chosen. Regardless of ACA, you have a better stance in finding a cheap or a low-cost medical insurance in the market than a state or federal health state exchange program. Listed below are some of the health insurance companies in the US that offer more or less cheap, low and affordable medical plans:

• Highmark
• WellCare: This offers federally sponsored health care plans in the field of Medicaid, drug plans, and Medicare Advantage.
• American Republic Insurance Co.: Perfect for individual and families
• Kaiser Permanente Insurance
• Homeland Healthcare: Provides low-cost plans to individuals
• Humana
• Cigna
• Blue Cross of New Jersey: A non-profit organization that offers affordable health care
• GoldenRule: Offer low fees for patients
• Blue Cross of California: Quality healthcare at low prices
• CareFirst: A non-profit organization
• UnitedHealthcare: In network company that provides short-term health insurance for both individual and families
• AARP: Again, a non-profit organization that caters to those who are 50 years and above
• Aetna Health Insurance
• Blue Cross of Illinois
• Health Net
• IHC Health Solutions: Provide Short-term medical plans
• Mega Life and Health Insurance Company: Offers coverage across all kinds of budget

Besides the options mentioned above, you should check for local health insurers that can offer a low-cost medical insurance. Additionally, if you are unable to afford US healthcare, the federal government can provide Medicaid and Medicare only if you qualify. Small Business Health Options as a part of the ACA is another great way to look for health insurance. Medical insurance, in general, is quite a task but a careful consideration of one’s financial capacity and lifestyle will give you a heads up on understanding which plan is the cheapest and affordable.