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Affordable Individual Health Insurance Plans
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If you are between twenty and fifty and are searching for affordable health insurance plans, put getting health insurance on the top of your list. The older you get, the fewer policies will be available to you. This is simple common sense from the industry's standpoint, since the older you are, the more liable you are to incur long, expensive illnesses, which are less profitable to insure than short, inexpensive illnesses. The big claims that are filed are not for the common cold.
Once you are in your sixties, getting individual health insurance plans coverage that is worth your premium is almost, if not actually, impossible. Since old policies disappear and new ones are constantly being offered, it is difficult to make a positive statement about what is and is not available, so look anyway; you may get lucky.
Preexisting conditions should be as limited as possible. Ideally, a six-month exclusionary period prior to the effective date of the policy and six months after are all you should accept. Beware of health insurance plans with policies worded so that the pre-exclusionary period extends back to your birth. Present policies often go as far as a combined two years (before plus after); give such a policy a minus.
Individual Health Insurance Plans - Know your Options
Avoid individual health insurance plans with policies that are too specific as to what they will cover. The insurance company knows better than you do what diseases you are most liable to get. Experts generally advise against "dread disease" policies, which primarily play on people's fears of cancer. There are many more illnesses and diseases than you can possibly imagine, and you should increase your odds of the policy being of some use to you by being protected for all of them. Obviously the only way you can do this is by buying a policy that covers the expenses of all illnesses and diseases without specifying which ones.
If you have a medical history that includes certain unpopular illnesses (the kind that tend to be recurring and expensive), you may find affordable health insurance plans with coverage for them excluded for life or excluded in your policy by means of a rider.
