Of the millions of Americans who do not have health insurance, many would buy a health insurance policy — if they could! In fact tens of thousands of upper income families have become frustrated with health insurance underwriting and are just out there taking their chances on health care!

However, you still have options to protect your health care:

1. Every state has some sort of high risk plan. For instance, Texas has the Texas Risk Pool. However, you do have to pay a premium for the risk pool, and it is not cheap. You also have to qualify for the plan, pay out of pocket costs up to the deductible, and you may have a waiting period.

2. Different health insurance companies use different processes for determining health risks. You may still qualify. If you are in an state in the US, why not run a quick online health insurance quote? You can compare multiple health insurance plans, and speak with qualified local insurance agents who should be familiar with the plans in your area.

3. Look at some health savings plans which can control your medical costs. You should, of course, try to obtain health insurance first. But if you cannot obtain health insurance, or if your health insurance has high deductibles and doesn’t cover everything, a health savings plan may save your family some money. If you are diabetic, have asthma, weigh too much, or have other problems obtaining health insurance look at a Health Savings Plan.

You can obtain discount prescription, dental, and vision care. You will also obtain discounts on medical supplies. Best of all a 24 hour a day patient advocacy group will be available to assist you if you do need to be hospitalized. Tens of thousands of people have been helped by a Health Savings Plan. Note that a Health Savings Plan is not insurance. When you visit the website, just fill in the information form to learn more about the plan!

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