Medical Insurance is one of the most important investments a person can make in their life as it offers a cushion of protection against the financial burden of health care.  Many employers throughout the U.S. offer health insurance to their employees and most of these employees pay part of all of the premium rates.  There are some individuals who are not fortunate enough to have an employer, but that does not mean they cannot obtain Medical Insurance.  Although the cost may be higher than what is offered through an employee, you can always compare insurance quotes online to guarantee the best rates.

Before you purchase medical insurance, you need to familiarize yourself with the type of insurance there are.  The most popular insurance plans offered in the U.S. include health maintenance organizations (HMOs), point of service plans (POS), and preferred provider organizations (PPOs).  These plans all differ in what they offer.  As an example, the cost of each plan will differ as will the selection of primary care providers and specialists.  Additionally, some plans may require that you pay a deductible, which is a set amount of cost you will have to pay up front before your provider will pick up the rest of the cost.

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