Everyone in America knows that the cost of private health insurance is going through the roof. Last year 43.7 million Americans were without insurance. Independent employers struggle to afford the most basic coverage for employees; still, the employee's share often rivals his mortgage payment. What was once an accessible safety net designed to distribute the cost of health care among a whole population is quickly becoming affordable to a smaller and smaller percentage of the population.

Premiums and co-pays are rising out of control. Recently, the inclination among insurance companies is to add the most modern, expensive drugs to a "Tier 4" list that calls for patients to pay a percentage of the drug's cost instead of a co-pay-and some of these prescriptions cost thousands of dollars. The out-of-pocket costs make the most effective cancer medications and drugs to slow progressive diseases like muscular sclerosis inaccessible to most patients.

The good news is that there are affordable health insurance choices out there. If you are self-employed, are unhappy with your employer's insurance, or have never even tried to get insurance because you thought it would be too expensive, it is important to know that there are insurance stores dedicated to finding and offering a range of affordable selections from a wide variety of well known insurance providers.

Because they have already done the frustrating, time-consuming work of sifting through a massive amount of policy choices from these companies, you do not have to. All you have to do is fill in a short information template online, and the system narrows down the policies to the one that is the best fit for you. If you want to purchase the plan, approval generally takes as little as thirty minutes. You could have affordable insurance by nightfall!

Getting online health insurance quotes is quick and simple. If you are one of the millions of Americans without health insurance, it is worth checking out the affordable options available.