There are many more affordable options for individual health insurance then there are for family health insurance. The reason for this is because individuals, on average, will spend much less on health care each year than a family will and this allows them to simply pay the cost of one or two doctor visits from their own pocket and raise their annual deductible obligation to a higher level. This will lower their monthly payments considerably and still give them protection in the event of long term hospitalization.

This is an example of making an individual health insurance policy more affordable for you. On average, a normal individual will see a doctor approximately twice per year, correct? Many companies give you two sick days per year and you'll definitely want to get an annual check-up, so there's twice per year, barring any unforeseen event. The cost of seeing your doctor twice will run between $150.00 and $500.00, depending upon where you live and what you're being seen for. Remember that this is a rough estimate so give or take a bit.

My point is that even if you carry a lower deductible, such as $250-$500.00, you would still have to pay those costs out of your own pocketbook each year until your deductible was taken care of before the insurance company would begin covering you. This being the case, in order to make individual health insurance more affordable you simply plan on setting that money aside each year.

The above example is only an option for helping you to make buying a health insurance plan affordable. It's much better to carry a high deductible than it is to have no coverage it all.