Latest responses to “How To Avoid A Major Cause Of Bankruptcy By Getting Basic Health Insurance Coverage” Copyright 2012, MoneyBlueBook.com 417880 2010-11-12T14:34:57-08:00 Alan I am enrolled in a co-op health plan. It works very well. The overhead is not even equivalent to one month's premium and the cost is less than $300/month. Relatively inexpensive health plans can be done. BTW, this plan is for non-smokers, non-drinkers and only to church going folk. Alan 417870 2008-02-04T04:43:24-08:00 Helene Zemel A high deductible health insurance policy is an excellent idea. You are absolutely right. All people who can afford some kind of basic health plan should purchase this. Unfortunately, it will most likely run more than $49 per month once you add family members. For those who are in their 40s, 50s, and early 60s or have pre-existing conditions, this price can go way up. A discount health plan can compliment a high deductible health insurance policy or health savings account saving you money on health care that is not covered by the deductible. At AmeriPlan, our medical plans even include a hospital advocacy program which helps people avoid bankruptcy due to medical costs. 417860 2008-01-07T11:08:58-08:00 Gaston (PrePaid Legal) In my opinion, not having a health insurance plan is just irresponsible, especially if you have a family to take care of. With all of the options available today, there's no reason why you shouldn't be covered. Gaston