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Everyone needs health insurance to prevent, diagnose and treat illness. If you live in the United States you must obtain health insurance on your own. Health insurance may seem expensive but hospitalization without insurance can drain all your savings.

Most full-time employees benefit from health insurance plans offered by their employers. This is also the least expensive option available. If you are self-employed, then you may want to look into individual insurance plans. The Consolidated Omnibus Budget Reconciliation Act allows you to continue with your employer's insurance, only now you will be responsible for paying the insurance premiums.

If you consider getting help from an agent, make sure you choose one that represents more than two insurance companies. A knowledgeable broker can compare different plans in your area. A quick search on the internet will reveal numerous comparison sites, designed to compare the costs of various different health insurance plans. Make sure you avoid discount health plans. This is not the same thing with health insurance.

There are many sources for health insurance you can consider, including: fraternal organizations, professional groups, alumni associations etc. Coverage is limited. Make sure that the plan you select covers over $1 million in medical costs.

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