For most of us, our employer provides us with a health insurance plan to protect us should we get ill.
It's one of the first perks that we look for when we apply for the job.
However, not everyone is handed that perk and so are without health cover.
What do they do? There are plenty of options out there at prices that can be afforded.
Look for family health insurance policies, or plans.
There is no shortage of plans available to look at, but the basic idea is that the plan will protect the family by paying the costs of medical expenses should you or a family member get ill.
The advantages of this type of policy is that it is not tied to your employer, and should you eventually change jobs, the policy will remain open and you can bring it with you to your new job.
For those of us who are healthy, this option is clearly the best option because the premiums paid independently of work usually are much less than that paid by the employer.
It means less money is removed from your pay-check, though that does depend on how much an employer might have been contributing.
Lastly, the fact remains that you have the freedom to choose from dozens of health insurance plans, while an employer might offer you a choice of just three or four.
Being able to look at more gives you the ability to choose the one best for you, and since it is your health that is the core issue, that seems only fair.
The best place to find the right health insurance is on the internet.
The competition is very high and you can be sure that you will get the best deal.