Most Americans still get their medical insurance from their employer, although that is starting to change lately.
More and more people are finding that their employers no longer include medical coverage in their benefits package (if there is one), they are employed part-time or work for themselves.
Even those people with good full-time jobs often find that the health insurance prices that their employers are charging are too much to include their family in the package, so some members remain uninsured.
In today's world of high cost health care, you almost cannot go on living without having at least some form of medical insurance plan in your pocket.
Health insurance prices, although steep, can be made affordable by shopping around and adjusting your level of coverage.
You do not have to buy the top of the line plan from the most expensive insurer, and if you are willing to pay a little more out of pocket every time you go to the doctor or get a prescription, then you can get a health care plan that will pay for the big things while leaving you to pick up the tab for the small charges.
By comparing health insurance prices online, you can easily see which plans are more affordable for people who almost never go to the doctor, and which plans are preferred for people with chronic problems.
If you plan on having a baby in the future, then you can choose among plans that will cover pre- and post-natal care and delivery, while if you are not planning on having a child, you can exclude that type of coverage and actually save a lot of money.
By shopping around for health insurance online, you will find that almost any family can afford to get a decent policy at an affordable price.