Health Insurance reform is a political hot topic and has been since Health Insurance was introduced in the late 1800s. Back then, insurance companies offered accident insurance to pay for medical bills that arose from accidents occurring during employment in the railroad or steam ship industry. In the 1900s, health insurance evolved to cover most disabilities arising from employment and the costs relating to illnesses. Later in the 20th century, health insurance began to cover other medical bills including preventative and emergency care.

There are currently dozens of major health insurance companies offering insurance to Americans. Because of the vast number of health insurance companies in the U.S., premium rates remain competitive, although many Americans living just above the poverty rate cannot afford health insurance for their families. Since insurance companies want the business of the American people, they must keep their rates competitive so as to attract business and individuals seeking health insurance.

The best way to compare health insurance rates is to visit one of the many rate comparison web sites on the internet. Google “compare insurance rates” to find any of these sites. They will ask for medical information and calculate rates for individuals, couples, or families. Make sure to use the same information if visiting several web sites in order to compare like products. Always use the same number for choices like deductible and coverage amounts.

Another place to compare rates, although perhaps less effectively, is with a local agent. A local insurance agent might not have access to the rates of all insurance companies because he might only represent a few. It would be nearly impossible for an agent to represent all the companies in the U.S. offering health insurance.

If health insurance is not affordable, check with your local welfare office for government-sponsored healthcare.