Health coverage is considered to be a social issue in America and the rise in the rate of insurance has deterred most people from using these services. But this is not a good trend as you may need medical assistance at any given time.

In case you are jobless or are planning to switch jobs and your health coverage has partially been covered by your employer then you can try out COBRA and other similar solutions through which you can extend your coverage even when you do not have a job. You need to find an agency at the earliest.

In case your employer provides you group health benefits then you will have to agree to his or her terms in case you wish to take advantage of lesser payment. In contrast, personal health insurance can be customized to suit your individual requirements and you can also decide on the amount based on your financial situation. Usually personal health insurance is costlier than group health insurance as you do not share the expenses with your employer, but still personal health insurance has various advantages like:

- Getting an extended health coverage you in case you are switching jobs. You don't have this provision in case of group insurance policy which will cease once you have quit working.

- You can use your personal health insurance to bridge the gap which is left out by your present plan.

- You also have the provision to avail of a customized long term health insurance policy for your whole family.

You will have to look around and do some research in case you wish to avail a personal coverage option. You will have to compare rates and finalize the most appropriate option depending on your needs and finance. At times your house insurance too comes handy as many companies have packages where you can avail the benefits of a medical insurance at a lower rate.

The more fit you are, the lesser you will have to pay and hence give up on any vices such as smoking, drinking etc. plan to set your deductible as high as you can, as this will reduce the amount you need to pay every month. However ensure that you can afford it.

Of course the cost of taking out such insurance isn't expensive; however there are things that you can do which can help to reduce the costs for you further. Below we offer a few tips you may find useful to get the best rates possible when taking out any personal health insurance in the future.