If it is affordable health insurance that you are looking for, then you better find an organized way of seeking it out if you don't want to find yourself tied up with unnecessary work.
On the positive side is the fact that there are many various types of plans to choose from. These are generally divided between (1) Plans in which you pay a part of the costs, (2) HSA's or Health Savings Accounts, and (3) the usual type that involves a deductible up front before the carrier begins coverage. The downside however, is that there is so much information that is available in general and online that making your choice can be a real challenge.

To assist you in your quest for health care benefits that you can afraid and that are still complete, the following tips may apply:

1. First determine which is best for your situation, a group health plan or an individual health insurance plan.
In many cases this choice is already decided for you when your employer agrees to cover a part of the cost of the insurance when you select the plan offered by the company. Assuming that the plan being offered by the company is through a recognized carrier, then it is always best to go with the company offered plan. But in the case where your company is not willing to cover any of your premium costs, then it is always a good idea to get some quotes from insurance carriers that offer individual health insurance plans so as to compare costs of premiums. In most cases you may expect the cost of an individual plan to be about half that of a similar company group health plan. Why is that, you may be asking? To get coverage from an individual health insurance plan, you need to be in party good health while the group plan is more likely to take those with prior health problems. (POINT OF NOTE: Quite often an employer will cover the employee's health care premium cost but not that of their dependents. Before deciding to take that on yourself you need to check into an individual plan for your dependents that may be cheaper and even offered through the same health carrier as that of the group health plan).

2. You need to choose between an HSA health plan and a traditional one. Bear in mind that although through the HSA you are free from having to make copayments, and free from coinsurance costs, the deductibles offered through these plans are usually higher than those offered through the traditional health care plans. First you are required to pay the deductible and then following that you have 100% coverage for all of your health needs for the rest of the year. When you have the HSA health coverage plan than you can count on your maximum out of pocket expenses as always being the same as the deductible.
In addition to this, there are certain tax benefits that are available only through the HAS coverage and not available in your traditional health coverage plans. You need to talk with a professional tax advisor so as to know how this works and how you may benefit personally. When you have one of the traditional plans you usually are required to pay a deductible, followed by copayments and then some form of coinsurance (as a rule 80/20).
In addition to this, when you have a traditional copayment plan you usually will have to pay a copayment of $25 of $35 when you visit your doctor or when you buy prescription drugs. The deductible is usually applied to all that is not covered through a copayment. It should be understood that when you have a plan that does not include a copayment, it will be more expensive than one without a copayment.
For this reason you need to compare both types of plans before making your decision to buy one.

The nice thing about having access to the Internet is that you can compare prices on this different plans and you need to utilize this benefit. Make sure to compare prices on different plans so that you know that your getting the best price.