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One of the biggest reasons for debt in the US is the huge cost of medical bills. It figures then that many people in the US are also without any health coverage.

Most people can get health insurance through their employers, but if you are self-employed or work at a company that offers no health plan, then it becomes quite tough to find affordable insurance.

I used to be self-employed myself several years ago, and so I know how expensive health insurance is to get on your own. Even the simplest of coverage costs thousands of dollars each year. Frankly I had to eventually give it up, because with the little income I was taking in, I just couldn't afford it. Believe me, that's a scary feeling not being insured.

Now that I am employed, I am insured through work. Even there isn't all that cheap, and the rates keep going up. Plus my co-payment went from $10 to $20 this year, a 100% increase. But still I'm glad to have the insurance; it's still cheaper than getting it on my own.

But if you aren't lucky enough to get insured through your employer, then you need to look elsewhere. But there are ways to find some affordable health insurance, and the best way I think is through the internet.

A couple of sites to check are www.healthinsurancesavings.com or www.self-employed-health-care.com. They both require you to enter a zip code, so they can show you the best choices in your location.

There are other similar sites you can browse through to find information. But be aware that you may have to divulge personal data about yourself to these sites. Some people aren't comfortable with doing that, especially over the internet.

If you aren't comfortable giving such personal information away, you can call the contacts at these sites and speak directly with them, and perhaps you can set up interviews with various providers. All this may sound like a burden and imposition, but you have to do what you have to do if you want affordable health insurance for you and your family.

Being insured, especially if you have a family, is very important in today's world. So please take it upon yourself to do some research, and find the best health insurance you can afford.

To see more articles about health insurance, such as individual health insurance plans, types of plans available, what a policy means, and more, please visit http://www.health-insurance-aid.com.

It's surprising how many individual do not understand basic health insurance terminology. They really need this knowledge to make informed decisions when it comes to their healthcare needs. There is no way to cover them all but I have attempted to list a few more of the more common frequently asked questions. I've broken them down into a series. Here is Part II.

Q: "How do I obtain health insurance?"

Health insurance coverage is usually obtained through an employer if a person is employed on a full-time basis. Self-employed persons who do not have any employees or an individual who does not have access to an employer-sponsored health plan can obtain individual health insurance. Sometimes individuals can obtain health insurance through group endorsed or professional associations that includes health insurance coverage. Persons who have reached Social Security eligibility can obtain insurance through Medicare. The disadvantaged can often times obtain health care coverage through Medicaid.

Q: "What is a Pre Existing Condition?"

A preexisting condition is any injury or sickness for which diagnosis has been made, treatment has been recommended, treatment has been rendered, or expenses have been incurred within a set amount of months (usually 3, 6 or 12) prior to effective date of the coverage. It includes any condition manifesting itself in symptoms which would cause a prudent person to seek medical advice.

Q: "What is an HMO?"

A Health Maintenance Organization (HMO) is an organization that provides comprehensive health care to the members at a predetermined price. The plan typically enables members to have lower out-of-pocket healthcare expenses but offers less flexibility in the choice of physicians or hospitals compared to other health insurance plans. Most HMOs require you to utilize physicians within their network and choose a primary care physician (PCP) who directs most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.

Q: "What is a PPO?"

A Preferred Provider Organization (PPO) is an association that contracts with doctors and hospitals or other health care service providers to provide services at a discounted rate. You can use any preferred doctor or hospital in the network without prior approval. Usually you do not need to choose a primary care physician. If you seek care outside of the network, your out-of-pocket expenses will be greater and your benefits will be reduced.

Q: "What is a HSA?"

A Health Savings Account (HSA) is a tax-deferred savings account combined with a high deductible health insurance plan. Monies in the account are used to pay for qualified medical expenses with pre-tax dollars and save for retirement on a tax-deferred basis. Unused funds remain in the account and accrue interest year-to-year, tax-free.

About the Author: Rudy Wilson is currently active in the insurance industry. He is also a researcher and an author. Visit his web site at http://www.UninsurableHealthSolution.com to view more information on finding affordable health care for the uninsured, the underinsured and the uninsurable.