With even minor illnesses and injuries costing hundreds or thousands of dollars to diagnose and treat, staff members need options for cheap employee and family health care insurance. Such insurance can help pay for …
<ul>
<li>• Immunizations</li>
<li>• Preventive care</li>
<li>• Maternal and infant care</li>
<li>• Emergency health services</li>
<li>• Minor and major accidents and illnesses</li>
</ul>
Without adequate health care insurance, individuals and families tend to ignore medical problems and forego preventivecare. Even worse, serious medical problems can send them spiraling into bankruptcy.

<h3>Low cost  Options</h3>

Traditional full coverage insurance is often too expensive for today’s staff members and families. Nonetheless, low-cost options are available that still provide needed coverage:
<ul>
<li>• With PPOs and HMOs, you must select a heathcare provider from a specified list but your premiums are much reduce than with traditional insurance.</li>
<li>• A Major Medical plan won’t cover routine heathcare needs but it gives you protection from major accidents and illnesses.</li>
<li>• High-deductible programs cover all your medical bills once you reach the deductible. Ideally , you combine a high-deductible policy with a Health Savings Plan in which you put away money to pay for your bills until you reach the deductible.</li>
</ul>
Additionally to these options, a lot of states have government programs to help low-income staff members afford insurance for themselves and their families. See your state’s Department of Insurance Web site for details.

<h3>Money Saving Tips</h3>

To help you keep your health care insurance costs  as low as possible, follow these tips:
<ul>
<li>• Avoid tobacco so you qualify for reduce rates. If you already smoke, work on quitting.</li>
<li>• Stay healthy by eating healthy foods and exercising regularly.</li>
<li>• Keep your credit rating in good shape. A poor credit rating leads to higher premiums.</li>
<li>• Comparison shop through an insurance comparison Web site. Find proposals from at least three corporations so you can compare their coverages and premiums.</li>
</ul>