Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits.

For example, if you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance? You have to decide if that is the best.

On the other because you are young, healthy and probably use the health care system sparingly you could consider a Health Savings Account plan in conjunction with a high deductible health plan. In exchange for a lower monthly premium, you agree to pay for your health care costs unless there is a major health expenditure. Is this approach the best health insurance policy? You have to decide.

If you’d rather have more comprehensive individual health insurance coverage, with features such as preventive care coverage, consider a PPO or HMO plan with an in-hospital deductible. to keep the cost down you might consider higher co-pays for doctor’s office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the “best” policy. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some are going to suggest you go to their web site so that they earn a few pennies on a “click through”. Some may suggest going on line to get a quote but you probably already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

You can get a job which has health insurance benefits. If you can afford private insurance call any independent insurance agent from the yellow pages and get a variety of plan information to choose from. You personally can be covered under your parents insurance until you are 26 but you have to buy your children a separate policy.

Welfare. Seriously, that’s it. The average no deductible family plan for mom and two kids, runs around $ 1500 a month, nationwide. That’s what it costs.

If you’ve got access to health insurance through your employer, that’s going to be the next best, but it will STILL probably run you darned close to $ 600 a month.

Health insurance is damn expensive, because here in America, we buy a whole lot of really expensive medical care. As an example, routine shots and exams and testing for the first year of life, run around $ 6,000. PER CHILD. Yep, your boys, for the first year of life, will cost $ 12,000 in medical bills, if NOTHING GOES WRONG.