To protect and preserve one's health, low cost health insurance is needed. Due to the increasing costs of doctor's professional fees and hospital charges, there should be low cost health insurance available to everyone. US government statistics show that more than 40 million Americans do not have low cost health insurance. Health care prices are rapidly and continuously going up and many people cannot even afford basic health care insurance.

Low cost health insurance are programs that offers health insurance policies at a much lower price. Students, the unemployed and low-income families are the best candidates for such low cost health insurance. These people can choose from a list of low cost health insurance policies that offer coverage at a minimal price.

These low cost health insurances offer low premiums compared to the other health insurance programs out there. In some of these plans, the employer pays part of the premium. It is important that, although not expensive, the plan should fit the individual's needs. The low cost health insurance plan should also offer protection against major illnesses such as cancer and diabetes.

The disadvantage of low cost health insurance is that, because of the lower premium, there are also less benefits. The low cost health insurance typically offers basic coverage such as paying the cost of hospital, surgical, and physician bills. Operating room, diagnostic procedures, anesthesia, and laboratory expenses are usually covered also.

However, individuals with low cost health insurance get very few of the great benefits that are offered by other health insurance programs such as surgical expenses including the assistant surgeon's professional fee, ambulance service, blood transfusions, oxygen, prescription medications, and even prosthetic devices.

Student health insurance is a type of low cost health insurance, which offers insurance to full time college students between the ages of 17 to 19. The undergraduate students must be enrolled in at least nine credits to quailfy for this type of insurance. Graduate students may also apply for this type of low cost health insurance program. These students should be enrolled in a college or university that is recognized and accredited by the state. Universities and colleges usually offer this type of student low cost health insurance so if college bound, check the coverage being offered because each university's insurance policy is different. Other low cost health insurance providers can provide student health insurance also.

The most important advantage of this low cost health insurance program is the cost. A low premium is offered. It is also recognized even if the student transfers to another university or college. The standard college student health insurance program is a low cost health insurance policy that costs less but has fewer benefits. Independent individual policies cost more but offer much better coverage.

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Health insurance is important to every individual because one never knows when he will need it. Due to the advances in modern medicine, medical diagnostic and treatment procedures are now a lot more expensive than before.

Not everyone can afford the full cost of medical treatment which could easily add up to thousands of dollars.

The tremendous increase of health insurance prices in recent years has been attributed to various health-related factors such as lack of regular exercise, unhealthy food choices, exodus of doctors away from poor areas and rural areas, alcohol consumption, cigarette smoking, the popularity of drug addiction, increased body fat leading to obesity and the sedentary life led by most individuals nowadays.

Health insurance coverage originated in 1694 by Hugh the Elder Chamberlen, who first thought of the concept of health insurance. In the late 19th century, health insurance was called disability insurance because health insurance was limited only to medical costs of such injuries that would potentially lead to disability.

Health insurance is a program in which the insurer pays the medical costs of the insured should the insured become afflicted with sickness due to diseases or accidents covered by the insured's plan. There are private organizations and government agencies who offer health insurance.
Health insurance is classified into private or non-government coverage or government-sponsored.

A private health insurance is purchased from a private health insurance company and it is further classified into employment-based health insurance, which if offered through one's employment. "Direct-purchase" is plan where the individual purchases the health insurance himself from a private company.

Private health insurance is controversial because the insurance company needs to remain solvent while the insured should remain in good health.

When the health insurance includes plans funded by the government, it is called government health insurance and it may be on a federal, state, or local level. This health insurance includes medicare, medicaid, military health care plans, state plans, and the State Children's Health Insurance Program (SCHIP).

Medicare is a government health insurance which pays health care costs for those 65 years old and above. Medicaid is a government health insurance coverage which helps families with dependent children, those who are disabled, blind people and the others who have disabilities and need health insurance. These two health insurance coverage programs complicate the current United States health insurance crisis because they unintentionally determine the price of medical diagnostic and treatment procedures.

The State Children's Health Insurance Program provide health insurance to children who are part of low-income parents not qualified for Medicaid while military health care is health insurance provided by civilians and the Department of Veterans Affairs (VA). Health insurance provided by some states for low-income constituents who have no insurance is called state-specific plan.

Individuals who wish to buy health insurance should first fill out a comprehensive medical history form that includes the history of smoking, the person's weight, the individual's past diseases and hospitalizations.

This is used because individuals with pre-existing medical conditions are not eligible to that health insurance. Discounts may be given to applicants who are proven to be healthy, and who have no vices like smoking and drinking alcohol regularly.

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