Although most of us don't want to consider the possibility that we may get sick, it does happen.
In fact, many people are being diagnosed with serious illnesses each and every day and without adequate health insurance, they are forced to tap into their personal financial resources to try and pay for medical care.
A much better alternative for residents of Kentucky is to find a discount health insurance plan.
Group coverage is the best way to find low cost health insurance in Kentucky.
If you happen to work for an employer who offers it as part of your benefit package, take advantage of this.
Not only does it offer the lowest premiums imaginable, there are other benefits too.
One important benefit is that if you are covered under a group plan in this state you cannot be charged more because you are already ill.
If you don't have the benefit of a group plan, there are still ways to save money and get discount health insurance in Kentucky.
For individuals who are in almost perfect health and don't need to visit a doctor regularly they may want to consider purchasing a catastrophic health plan.
Although this typically provides no coverage for things like routine office visits or prescription medications, it does provide extensive coverage for any major illness.
This is a great approach for someone who is young and doesn't have a family history of any serious conditions.
One of the easiest and most beneficial approaches to saving on health insurance is to get in better shape.
Healthier individuals pay less for premiums on their insurance.
So if you're overweight, sedentary or a smoker, change your lifestyle and you'll not only notice a big difference in how you look and feel but you'll save money on insurance costs too.