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The health insurance market is massive and can be a very confusing place sometimes. There are so many different plans available and it seems that you could spend as much as you want on ensuring coverage for yourself and your family. As we get older, one of our main priorities is often an affordable senior health insurance plan.

With the increase in companies who deal only via the internet, one of the best places to start looking is with one of the well stocked search engines that are available. You may think that anyone looking for an affordable senior health insurance plan would not be up to date with technology. This, it would seem, is not the case. A study carried out in California has reported that seniors spend more time online that any other adult age range! Much of their time is spent in hunting out that health insurance.

If you have a look at the search results for example ‘affordable senior health insurance’, you will be bombarded with offers of help from a variety of companies. Some of these will be the insurers themselves, some will be brokers and some will be agents. If you are unsure about the type of insurance that would suit you best and is within your budget, one of the best solutions may be to use an independent advisor or agent. They will probably charge a fee but do have the advantage of being specialists in the field and having up to date information regarding the rates that the various health care companies are offering. These rates are very changeable, sometimes on a daily basis and can make a big difference to your premiums.

The different types of plans should also be researched. There are a great number of options for seniors when it comes to insurance programs and it can be very confusing. If you are researching the market yourself make sure that you check out all these options including gap plans and subsidiary specialist plans. Medicare has an ‘add-on’ plan which you can subscribe to for example, which expands the Medicare facility through a private health insurance plan. They also have a policy which can be used to reduce any ‘gaps’ in your coverage. This may be a good starting point in your search for affordable senior health insurance and will give you an idea of what is available through the national insurance program.

Although your search may be quite time consuming and you will be hit by the sheer number of possibilities available to you, it will be time well spent. It is important to have good cover as this is a time when you want to be free from stress and worry. Less stress means a healthier life and having organised some affordable senior health insurance is certainly a comfort.

As you graduate college and head into the great, big, scary world, there are probably a lot of things on your mind. First and foremost is finding a good job, then finding a place to live, and then maybe figuring out how to pay back those student loans. One thing that might not cross your mind is health insurance. All of your life, you’ve most likely been a dependent on your parents’ coverage, but that ship is about to sail—if it hasn’t already.

We know what you’re thinking, “Why do I need health insurance? I’m young, I’m healthy, and doctor visits are few and far between. So why pay for something I’ll never use?” Hey, we understand where you’re coming from. But accidents and illnesses happen without warning, even to the strapping young adults such as you. Sure, health insurance is expensive, but not having it will cost you dearly.

First things to know

Let’s get one thing straight, health care in the United States is a nightmare, few will argue that. There are thousands of options when it comes to receiving care and paying for it, some of them good, some of them not so much. When it comes to choosing an insurance policy that’s right for you, confusion abounds. So let’s learn a little more about your options.

There are two essential categories of health insurance: managed care and indemnity plans. Though you’ll pay more for indemnity coverage, it offers much more flexibility than does a managed care plan. Through indemnity coverage, you’ll have your choice of doctor, lab, hospital or specialty clinic. When you seek medical care, you’ll have to pay an out of pocket expense—called a deductible—before your coverage will kick in. Deductibles range from a few hundred dollars up to $1,000 or more, depending on your policy. Also, indemnity plans require a co-payment on medical care; meaning you’ll be responsible for a percentage of the treatment costs along with your deductible. Generally, indemnity plans pay only for accidents or illness; they usually don’t cover preventative care.

Managed care is the complete opposite of indemnity coverage. Deductibles are usually smaller, co-payments are lower, and preventative care is usually covered. Your options, however, are limited. Through a managed care plan, you can only choose between health care providers who are contracted by your health maintenance organization. If you go elsewhere, you pay—the full amount. Since that’s a pretty rough deal, many managed care plans are offering hybrid options that include many of the desirable characteristics of an indemnity plan.

Which way to go

If you find a job that offers health insurance and you’re single, take it. It may not be perfect, but it beats anything you can find on your own. When you sign up through your employer, you’ll probably be confronted with many options. Take a good, long look at them and ask for help from a human resources representative if need be, but make sure you choose the plan that’s right for you. Chances are—if you’re young and healthy— you’ll want a plan with a low premium and higher deductible. Look for a plan that minimizes your out-of-pocket expenses. When it comes to choosing between and indemnity plan or a managed care plan, you may or may not have a choice depending on your employer. Both offer advantages and disadvantages, so make sure to crunch the numbers before committing to one or the other.

Make yourself a deal

Though health insurance is a costly part of our lives, there are ways to save. If you’re self-employed, shop around before you commit to a plan. If you’re under 50 and in good health, insurance companies will want your business, and cut rates are to be had. Also, take advantage of breaks from Uncle Sam. The self-employed can write off up to 45 percent of their insurance premiums. Some employers offer flexible spending accounts, where you can pay for premiums and costs not covered by insurance with cash that isn’t subject to taxes.

If you’re married and your spouse also can get coverage from their employer, weigh your options carefully. It might benefit you financially and coverage-wise if you measure the pros and cons of separate coverage, double coverage, or one of you opting out of your work’s plan and enrolling in the other’s.

Finally, if you’ve been healthy and believe you can get by with minimum health coverage, look into purchasing “catastrophic coverage”. This indemnity policy offers extremely low premiums, but deductibles can be very high—up to $2,500. Coverage is extremely limited to “catastrophic” events, which you’ll need to learn all about.

Changes to the Health Savings Account rules effective January 1, 2007, are generating new interest in the plans. However, there is still a gap in knowledge with regard to the actual usage of the plans. A recent article on Health Savings Accounts appeared in the Wall Street Journal Online and posed questions about the option of using an HSA as a saving vehicle for future expenses verses using funds in the HSA to immediately reimburse medical expenses. The article implied that it was an either/or choice.

Many HSA users are unaware that the IRS allows HSA investors to be both Savers and Spenders.

As a franchisee of the Entrust Group, we provide continuing education classes to employers, employees, and professional advisors, teaching about the rules related to HSAs and HDHPs. Surprisingly, few advisors and even fewer users really understand how the HSA works.

Contrary to common belief, there is no time requirement for taking HSA distributions for medical expenses. In other words, HSA owners who elect to pay their medical expenses out of their personal funds may, rather than immediately taking a reimbursement for those costs from their HSAs, defer the reimbursement until they really need the cash. In the mean time, the funds continue to grow tax free. The longer the funds remain under the shelter of the HSA, the more they can grow. Today’s eyeglasses can be paid for out of pocket, and subsequently reimbursed by the HSA, the next day, the next year, or 20 years from now. The choice is up to the HSA owner. Thus, if an individual can comfortably pay the expense personally, then there is really no reason to take the money from the HSA. The tax payer is not giving up the chance to take a reimbursement by delaying it. Thus, fueled by additional funds, the HSA may search for longer term, higher yield investments. Our clients, who tend to be longer term investors favor this approach as it allows for more stability in the account balance and potential growth.

Similarly, many taxpayers don’t realize that expenses incurred in excess of the HSA balance may be reimbursed in subsequent years. The one requirement is that the HSA had to have been established prior to the expense being incurred. Unfortunately, the IRS form 8889 doesn’t show these “carry-forward expenses” nor are many tax preparers able to help clients track the expenses that have not yet been reimbursed.

As keeping track of these un-reimbursed expenses is critical to determining how much of the HSA balance is eligible for immediate tax free distribution, our firm has created an “Un-reimbursed Expense Tracking System” to help our clients organize and document their un-reimbursed expenses.

Please contact us for details on the use of an HSA for long term investments or join us for a Webex seminar to introduce the basics of HSA/High Deductible Health Plan combinations. Bill Humphrey, one of the principals of Entrust New Direction IRA in Colorado, (www.NewDirectionIRA.com) has been a crusader for Health Savings Accounts since their creation in 2004. Bill is a Colorado CPA and has worked on developing educational programs for CPAs and health plan users to clarify the understanding and use of the HSA. Entrust New Direction has programs available live and over the internet for HSA users and employers anticipating adopting High Deductible Health Plans for their companies.

1. Utilize the tools that are available to make your search easier. (Avoid redundant actions: rather than duplicating your efforts in calling one PA health insurance company after another and filling out information form after information form online use a free PA quote finding service which shows quotes from multiple companies – and it only takes less than 2 minutes).

2. Research all prospective PA health insurance companies. (It can be as simple as asking a few friends or coworkers [or even better an independent PA licensed health insurance agent] what they know about a particular company or you can go more in depth and check them out with the Pennsylvania Department of Insurance or look up their rating on AM Best [an independent company that rates the financial strength of insurance companies – remember AM best only rates a company’s financial strength by examining their financial statements and their business practices they do not pass any judgment as to whether a particular company offers comprehensive policies and strong network coverage].

3. Re-evaluate your options every year. (Your health insurance needs will change from year to year along with changes in your financial situation and natural family life cycles. If nothing else, compare your current policy against up to date rates to make sure that your current policy is still competitive).

4. Take the free money! (If your employer will pay for your PA health care coverage through an employer sponsored group plan then let them! You would be passing up free money not to)!

5. Don’t put your spouse and kids on your group plan if you can find cheaper individual coverage elsewhere. (Just because your employer will pay for your health care coverage at work through a group plan does not mean that your employer will be so generous to your spouse and kids so as to pay the premiums for them as well [although some employers will and if so then count yourself among the lucky!]. As long as your spouse and kids are healthy then you will almost always be able to find cheaper Pennsylvania health insurance coverage through an individual policy rather than adding them on to your more expensive group policy [one caveat to this general principle is that if you are anticipating having more kids then a group health insurance policy will almost always cover maternity while an individual policy will not automatically cover the pregnancy unless you pay an additional premium each month so be sure an plan acordingly]. Compare free Pennsylvania health insurance quotes now!

Being a student usually equates to being poor, and if this is true of you, paying for health insurance can be really difficult. The plus side, though, is that you’re probably young and healthy, which means that you need less coverage and your actual rates will be better.

There are several options that you can look at when it comes to health insurance for students.

First off, check how long you can stay on your parent’s insurance plan. If your mom or dad has insurance through work, you can probably stay on the plan as long as you are a full-time student and until you turn twenty-five or so.

You’ll probably be required to prove that you’re taking classes full-time, which is usually defined as twelve credit hours, from the time you turn eighteen until you graduate. This can easily be done with letters and transcripts on the school’s letter head, which will be sent to your health insurance provider at the turn of every year or at the beginning of each semester.

If you can’t stay on your parent’s insurance for some reason or another, you still have a few options available to you.

The cheapest is probably to go through your college. Most universities and colleges nowadays insist on health insurance for students, so most of them also offer basic plans with group-style coverage. Chances are likely that these plans won’t cover a whole lot, but they’ll be affordable. You may also be able to use your student loans to pay for health insurance through your university or college.

Another option is to shop around for health insurance for students through the traditional providers that are on the market. You’ll probably be amazed at how expensive comprehensive plans are, but you may be able to get by without a plan like these.

If you have no intentions of getting pregnant, rarely have to go to the doctor, and almost never use prescriptions, you can get a catastrophic health plan, which will cover you if you need a major surgery or have an emergency room run.

While these plans won’t cover prescriptions and doctor’s visits, they will keep you away from financial ruin in the case that you need to pay for huge hospital bills, and they’ll also offer more affordable monthly premiums.

If you do go with a catastrophic or major medical plan, be sure that you know how to save money when you do need to go to the doctor. Most walk-in clinics will charge a flat fee for their services, so if you get an infection or are sick enough to need prescription medication, call around to a couple of these clinics in your area to see who has the best prices.

Also, if you use hormonal contraceptives, you can save money by getting a prescription for a generic pill or by buying your pills through your school’s health office or through a family planning clinic in your area.

The 2008 401K contribution limits are mostly unchanged from 2007 - except for the increase in the section 415 limit on total contributions which is discussed below. At the same time it is important to review the limits regularly and make sure you are within the guidelines - and if you haven’t started a 401K plan or you’ve been skimping on contributions, remember that this is probably one of the finest opportunities you have to improve your future financial security.

While thinking about being retired can be a pleasant and relaxing way to pass some time, actually doing something like planning for your retirement seems to be a thing that way too may of us avoid or just let slip by, often until it’s so late in our working life that building up retirement funds is a huge, extremely difficult and painful job. OK, so it isn’t a real fun topic. Ignoring it, however, is a very stupid move. We all need to face the unpleasant reality that without doing some serious planning and actually accumulating those funds starting now, we may have a truly miserable retirement. Since 401K contributions are pre-tax, and since the contribution limits are pretty generous, this is a chance to substantial improve your life after retirement.

The 2008 401K contribution limits for employee contributions is going to stay at $15,500. This is the “elective salary deferral” portion of the possible 401K limits. What you need to keep in mind is that your employer will also probably set a specific limit such as 10% of your salary. In that case, the actual limit will depend on your salary and will be the lesser (it’s always the lesser, isn’t it?) of 10% or $15,500.

If you happen to be luck enough to work for an employer who will make a matching contribution, then it would be grossly stupid not to contribute to a 401K since it makes you an instant winner. Generally the employer will match on a less than dollar for dollar basis, say, 50 cents for each dollar, up to a percentage of your salary. So, as an example, if an employer will do a 50 cent match for up to 8 percent of your salary, you gain an instant pre-tax 4% put away for your salary when you contribute at least 8%. If your employer does do a match, then that’s a deal you want to be sure not to miss out on.

It was a surprise to many that the anticipated increase in the “catch up” contribution didn’t happen. Those over 50 have a chance to make an additional $5000 contribution next year that is in addition to any other contribution.

For the self-employed, there is an additional possibility. A profit sharing contribution of up to 25% of your eligible salary can go into your 401K. The exact amount depends on whether you are incorporated or unincorporated, but this is in addition to your salary deferral and any allowable catch up contribution.

Particularly for the self-employed, you need to be aware of the overall total 401K contribution limits which have increased to the lesser of 100% of salary or $46,000 for 2008. The catch up contribution is not included in this limit so under ideal circumstances and if you were over 50 years old, you could contribute $51,000 and still fall within the 401K limits.

For self-employed entrepreneurs, especially those over 50 with a substantial income this can represent not only a large tax savings but a very substantial addition to your retirement funds. With the control offered by a Solo 401K or Individual K plan, you also have maximum flexibility in choosing your own investments. Getting your planning in place now so that you can take the best possible advantage of the 2008 401K contribution limits is smart business and can greatly improve your quality of life when you do retire.

Getting parents “On Board” is key when you are coaching youth football and want to keep your sanity.

Some Parents Don’t “Get” Youth Football

Many parents just don’t understand what is acceptable and unacceptable fan behavior. Remember your program will always be judged by the aggregated actions of your coaches, players AND parents. If you choose to ignore managing this very important group your season can end up being a disaster. It’s never fun having to police your parents during a game or get an angry call from the league commissioner because a parent was acting foolishly. Worse yet, your players often use the actions of others as cues for their own behavior. If you have poorly acting parents, the players follow.

Limits

Most people respond fairly well if they are given limits at the outset and told they can accept the limits and participate or ignore the limits and play elsewhere. What doesn’t work and isn’t very fair is if the limits are not defined or are given out piecemeal and arbitrarily. That’s why we came up with our Parent or Spectator Contract that is required in order that anyone play in our program. It clearly states what is and is not acceptable behavior and what the penalties for choosing not to follow it is. I’ve found it is much more effective to be proactive about this issue and address it head on day 1. On page 58 of my book “Winning Youth Football a Step by Step Plan” is my Parent speech I give out word for word before every season. I’ve never had a player on one of my teams ejected or had a single significant parent issue by using this approach.

Below is the Contract:

Screaming Eagles Spectator Contract

The Screaming Eagle Program has a history of being the best, in providing a positive
Sportsmanship Environment for our players. Our program is bigger than any one player,
coach or spectator.

1) Encourage members of both teams.

2) Keep all comments positive.

3) Only players and coaches allowed on field, no exceptions.

4) Leave the coaching to the coaches

5) Criticizing the officials, coaches and opponents will not be tolerated at all. The
same goes for abusive language or cursing. This is youth sports, everyone makes
mistakes, referees do too.

6) You are responsible for all family members and friends attending the games to
watch your child.

7) No open alcoholic beverages on fields or parking areas.

Help make this a positive and fun experience for all.

9) Report any violations to head coach or board member, get involved.

10) Playing Time is not to be discussed with any coach unless
the player plays less than the minimum and then only by phone at least 2 hours after the game has concluded.

Enforcement:

1) Individuals will be given one warning for inappropriate activity.

2) Individuals that continue; will be asked to leave the fields and the player will be
removed from the game until the spectator has left.

3) Other sanctions as deemed necessary by the president or board may be enforced,
including permanent ban.

4) All decisions are final, there will be no hearing or appeals.

THIS MUST BE SIGNED AS A CONDITION OF YOUR CHILD’S PARTICIPATION

Agreed Guardian
Signature……………………………………………………….Date…………………..

Guardians Printed Name
…………………………………………………………………………………..

For 200 free youth football coaching tips or to sign up for Dave’s free Youth Football Tips newsletter please go to:
Youth Football Coaching Copyright 2007 Cisar Management. Republishing this article is allowed if this paragraph and links are included.

Cancer Health Insurance has become a big selling product in medical health coverage. Does cancer insurance provided needed medical coverage or does it duplicate health insurance? Read this cancer health insurance article for information advice.

Cancer insurance has deep roots going long back in the medical health coverage industry. Once there were were 3 or 4 major carriers using it as their leading product. Now around 14 insurance companies promote it heavy, and another 50 write a fair amount of cancer health insurance. The controversy lies in who benefits the most, the insurance company or the insurance buyer?

TIMES HAVE CHANGED

In the good old days a group of agents were recruited under a district manager’s supervision. The entire group would invade a small town. They would start with the local banks and work their way down to the other businesses. It was high pressure selling group insurance where employees had premiums deducted from their pay. For a few bucks a week, employees could be covered against the big “C”. Yes agents actually took their thumb and index finger and formed the big “C” for cancer.

When an agent left, there was always another to take the place. The cancer health insurance company then really made out. Since this was true cold calling there we no lead acquisition costs. Plus on an agent that left, the insurance company no longer had to pay the agent and just sit back and collect the money coming in. The district manager was rewarded fat overrides on the business his group of agents wrote.

Why do so many people buy medical health coverage that overlaps? A one word answer: FEAR. Are there any people that do not have relatives, friends, or acquaintances who have experienced some form of cancer? Plus the cost is right, often $25 monthly or so for a truckload of this and that benefit payments. In reality the cancer health insurance policy provides the buyer with more emotional security than it does financial security.

EXAMINE THE FINANCIAL SECURITY

Would you buy a car for twice its value? Definitely not. What if you never get cancer? This is unlike life insurance where at some point you are going to die and have the benefit paid. Plus you could pay $25 for 15 years, $4,500, and develop skin cancer. You file a claim and receive $1,000. If in turn you had put just $25 monthly into an annuity you would have amassed $5,000 or probably $10,000. This surely would have helped more in giving financial security against any medical health coverage needs.

ADDITIONAL INSURANCE COMPANY BENEFITS

Above were covered some of the ways the insurance company benefits from sales, now look at it by claims. Every year there are health and disability companies filing bankruptcy for paying out more in benefits that they have money in reserve. Do you realize (its public record to verify) that some cancer and dread disease companies are only paying 60% out on claims? Seems like easy math to see who comes out the winner.

If baldness insurance was available it would seem a better bet of collecting back what you paid in. By the way, since heart attacks and strokes are more prevalent, why do waste more money of these plans?

The cost of health care in the United States is expensive and is escalating. A majority of Americans cannot afford the cost of medicines, physicians’ fees, or hospitalization without some form of health insurance. Health insurance is a contract between an insurance company and an individual or group for the payment of medical care costs. After the individual or group pays a premium to an insurance company, the insurance company pays for part or all of the medical costs depending on the type of insurance and benefits provided. The type of insurance policy purchased greatly influences where you go for health care, who provides the health care, and what medical procedures can be performed. The three basic health insurance plans include a private, fee-for-service plan; a prepaid group plan; and a government-financed public plan.

Private Fee-For-Service Insurance Plan

Until recently, private, fee-for-service insurance was the principal form of health insurance coverage. In this plan an individual pays a monthly premium, usually through an employer, which ensures health care on a fee-far-service basis. On incurring medical costs, the patient files a claim to have a portion of these costs paid by the insurance company. There is usually a deductible, an amount paid by the patient before being eligible for benefits from the insurance company. For example, if your expenses are $1000, you may have to pay $200 before the insurance company will pay the other $800. Usually the lower the deductible, the higher the premiums will be. After the deductible is met the insurance provider pays a percentage of the remaining balance.

Typically there are fixed indemnity benefits, specified amounts that are paid for particular procedures. If your policy pays $500 for a tonsilectomy and the actual cost was $1000, you owe the health care provider $500. There are often exclusions, certain services that are not covered by the policy. Common examples include elective surgery, dental care, vision care, and coverage for preexisting illnesses and injuries. Some insurance plans provide options for adding dental and vision care. Other common options include life insurance, which pays a death benefit, and disability insurance, which pays for income lost because of the inability to work as a result of an illness or injury. The more options added to the insurance plan, the more expensive the insurance will be.

One strategy insurance companies are using to lower insurance premiums and out-of-pocket costs to the consumer is the formation of preferred providers organization (PPO). A PPO is a group of private practitioners who sell their services at reduced rates to insurance companies. When a patient chooses a provider that is in that company’s PPO, the insurance company pays a higher percentage of the fee. When a non-PPO provider is used, a much lower portion of the fee is paid.

A major advantage of a fee-for-service plan is that the patient has options in selecting health-care providers. Several disadvantages are that patients may not routinely receive comprehensive, preventive health care; health-care costs to the patient may be high if unexpected illnesses or injuries occur; and it may place heavy demands on time in keeping track of medical records, invoices, and insurance reimbursement forms.

Prepaid Group Insurance

In prepaid group insurance, health care is provided by a group of physicians organized into a health maintenance organization (HMO). HMOs are managed health-care plans that provide a full range of medical services for a prepaid amount of money. For a fixed monthly fee, usually paid through pay roll deductions by an employer, and often a small deductible, enrollees receive care from physicians, specialists, allied health professionals, and educators who are hired or contractually retained by the HMO. HMOs provide an advantage in that they provide comprehensive care including preventive care at a lower cost than private insurance over a long period of coverage. One drawback is that patients are limited in their choice of providers to those who belong to an HMO.

Government Insurance

In a government insurance plan the government at the federal, state, or local level pays for the health-care costs of elgible participants. Two prominent examples of this plan are Medicare and Medicaid. Medicare is financed by social security taxes and is designed to provide health care for individuals 65 years of age and older, the blind, the severely disabled, and those requiring certain treatments such as kidney dialysis. Medicaid is subsidized by federal and state taxes. It provides limited health care, generally for individuals who are eligible for benefits and assistance from two programs: Aid to Families with Dependent Children and Supplementary Security Income.

Recently affordable senior health Insurance coverage has been a big topic as a saving grace for those who can least afford high medical cost. With the skyrocketing cost of health care senior citizens have a way to help pay some of their the costs of health care that are not covered by the original medicare health plan with supplemental insurance officially called “Medigap Policies”. The reasons these policies may prove beneficial are that they assist senior citizens who can least afford it from incurring bills they can’t pay or from being denied care when needed.

A Medigap policy is health insurance that’s sold by private insurance companies, each insurance company decides which Medigap policies it chooses to sell. The good thing is that these health plans for seniors are the same from one supplemental health insurance company to the other. You can choose from up to 12 different standardized Medigap policies, letters for Plans A to L are used to identify each policy. The supplemental benefits in any Medigap Plan are the same for any insurance company. These letters A-L also denote basic and extra supplemental benefit levels. Once you decide on a affordable level of insurance that meets your needs the only difference will be the costs not the plan. Also these senior citizen policies must follow Federal and State laws that are mandated to protect you.

This standard was set specifically to prevent confusion and most importantly to make comparison easy. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” You can effectively do a search online and compare the costs of providers you may consider knowing that the health plans offered by all potential companies are the same and that they offer identical supplemental benefits. This is why to get the most affordable senior citizen supplemental health insurance rates it is critical to compare Medigap insurance policies as rates widely vary.

Basic supplemental benefits are covered by each of the 12 Medigap policies while additional benefits are determined according to the plan you choose. For example supplemental Plan A is the most basic. Everything in Plan A is offered in Plans B thru L, with these plans offering even more coverage. You will find cost sharing, depending on the level is different for Plans A to J and Plans K to L but that the services offered are similar.

In the event of serious illness or accident, especially for persons who did not sock away a substantial retirement fund during their working years, having to pay the amount that is left after Medicare and Medicaid have paid their share could be catastrophic. For senior citizens a policy that can take care of most of what government insurance plans for seniors do not has many benefits and deserves a look.

Supplemental health insurance for seniors is not too expensive and generally affordable. Just remember it is very important that you compare the policies offered by different insurance companies. Whether you do it locally or easily on line this task should not be skipped, compare. After doing some research you may find that not only is it affordable, senior health insurance is something you can not afford not to have.