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Cheap health insurance plans generally fall into one of two categories:

Indemnity Plans: An indemnity plan will allow you to choose your own doctors and pays for your medical expenses totally, in part, or up to a specified amount.

Managed Care Plans (HMOs, PPOs or POS plans): Managed care plans generally provide broader coverage within a specified network of health-care providers.

Although you can purchase cheap health insurance plans that cover specific areas of health care, such as surgical, hospital and physician expense plans, most plans cover varying degrees of health care in a number of different areas. This health insurance coverage, known as major medical insurance, offers extremely broad coverage with a very high maximum benefit that's designed to protect you against losses from a catastrophic illness or injury.

Be careful when looking for “cheap”. When comparing cheap medical insurance plans, check to see if they provide additional benefits that you may need, including prescription drugs, preventive care, mental health benefits, maternity care, and vision care. A comparison of various health insurance policies and rates through many health insurance companies can be found on the internet.

Make doubly sure that you are getting coverage on all vital matters.