Health insurance policies are one of those products that you don’t like to pay for but wish you did when you need it. Many who don’t have coverage either believe insurance is a waste of money or they simply can’t afford it. With new health care bill that was just passed, you may want to get online health insurance quotes to ensure you are getting the best plan at the best rates. The new plan will allow Americans to get an affordable health plan subsidized by the government. It’s also mandates that you must have a plan that complies with federal regulations or face a fine.If you have the belief that health insurance is a waste of money, you might want to think again. It’s difficult to continue paying premiums if you never need to use the insurance. However, accidents and illnesses can occur, even for the healthiest of individuals. The out of pocket expenses of medical care can be astronomical if you don’t have coverage. Even if you believe you won’t use your insurance, you might want to consider a limited coverage plan just in case an unfortunate event occurs. Online health insurance quotes provide an easy way to research such plans. With new bill expected to put into law by 2014, you have no choice but to get adequate coverage or face a fine.Online health insurance quotes provide a convenient way to research your different options. You can research plans without the presence of a salesperson. You can review plans at your own leisure and educate yourself on health insurance. Not all plans are the same. Each will vary in coverage, deductibles, co-pays, and premiums. You should first determine what level of coverage you need and select the plan that provides your coverage requirements. Online health insurance quotes will prevent you from overpaying or receiving inadequate coverage. It’s best to talk with a sales person when you are armed with the knowledge of various coverages to avoid purchasing provisions you don’t need.Whether you don’t believe in purchasing coverage or simply can’t afford it, eventually you will need to obtain insurance or face a fine by the government. At this time, it is unknown how affordable the state plan will be. By getting online health insurance quotes, you can ensure that you are getting the best plan at the best rates. If you do enough research, you are likely to find a plan that is more affordable than the government plan. It is best that you take control of your health coverage and not let the government dictate what type of policy you should have. Getting online health insurance quotes is the first step in being proactive about your health coverage.