In today’s modern society one of the most serious decisions that you have to make is about health insurance. We all want to find affordable health insurance for ourselves and our family, but we don’t want to be paying too much in premiums.There are quite a few ways to find affordable health insurance. Your initial step should be to carry out research and find out what choices are available to you. Never sign up to a health care insurance without reading up on it first.Many people have the option of health insurance as part of your benefits package at work. Your employer tends to pay a percentage of the insurance premium and the rest is taken from your wages. This option is the most preferable way of receiving affordable health insurance. The employer’s contribution is a great benefit, plus the premium amount is subtracted before you receive your pay.Many employers recognize the demand for affordable health insurance and are therefore happy to provide this service to their employees. They recognize that providing affordable health care keeps their employees satisfied. This has a positive effect on productivity and the work place environment.Unfortunately not all employers offer this service therefore you may have to find your own affordable health insurance. You should start by checking local companies and asking what they offer in terms of health care insurance and costs.The largest areas of affordable health care insurance include dental insurance, family health insurance and short term insurance. Before you decide upon an affordable health insurance you should think about your requirements. Many people have to pay for prescription drugs on a monthly basis, so therefore an affordable health insurance that saves them money on medications would be perfect for them.On the other hand, many people, especially families with younger children require orthodontic treatment. This can be very costly and therefore you should seek an affordable health insurance that covers dental work.During the process of deciding on insurance you should consult a representative and make them aware of your circumstances.The best advice to follow when deciding on an affordable health insurance plan is to collect a few quotes from various companies. Once you have done this you can compare the good and bad points for each. This will help you to decide on the health insurance plan that is most suitable for your requirements and budget.