The most tedious job for any individual is finding an affordable health insurance. But nowadays affordable health insurance is easily available. Online healthcare insurance plans as well as local insurance agencies now provide the same at discounted rate. Some online health insurance companies prefer an individual\'s background before providing with affordable healthcare insurance policy. Some of the factors that insurance companies take into consideration before providing affordable healthcare insurance can include:

Your way of life: Obese people or people who have certain type of diseases find it difficult to get an affordable healthcare insurance. Similarly, people who are habituated to smoke and tobacco also face problem in getting an affordable health care insurance from insurance companies.

Deductibles: Most of the health insurance companies consider the deductibles in offering affordable health care insurance. If an individual ask for higher deductibles then the policy rates become lower.

More or less selecting the right life insurance plan for oneself is an important decision and must not be taken hastily. Health insurance companies offer affordable healthcare insurance according to plans i.e. a young individual can get a health insurance policy at huge discount.

Talking about individual or self employed health care insurance plans, there are various options under affordable healthcare insurance that companies offer . First option is to opt for coverage under spouse\'s plan. This plan provides with the coverage of affordable healthcare insurance through spouse\'s employer, so it is very convenient. Other option is self employed co-operative for self employed, this offers to purchase combined group policies which saves on your cost. The other options for self employed are Health maintenance organization (HMO) and preferred provider organization (PPO).The health maintenance organization provides with the convenience of predetermined price of the health care insurance. A fixed and periodic fee is paid to health maintenance organization, thus making it affordable for individual. The preferred provider organization has an association with group of doctors and hospitals. Thus, they provide affordable healthcare insurance policy at agreed rates.

Finding an affordable health care insurance is not difficult, if a person does proper research on affordable healthcare insurance companies

Talking about affordable healthcare insurance, they are also easily available today. To avail affordable health care group insurance, it is mandatory to have two or more employees in the company. Most of the health insurance companies classify the affordable group healthcare insurance plan in three categories. They are small group, mid-size group and large group. According to size and number of employees in each, group a health care insurance company determines discount on policy. However, the major difference between affordable individual healthcare insurance and group insurance is medical check up. An individual or self employed person has to undergo medical examination on application of affordable healthcare insurance policy. While group healthcare insurance policy is issued without, any need for medical check up.

Some of the online health care insurance agencies. As a result finding an affordable healthcare insurance is not a difficult task. All one needs is proper research and proper knowledge on which affordable policy to avail. Individual plans such as short term, dental and medicated supplements are inclusive in affordable insurance plans offered by health insurance companies.