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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Affordable health insurance

originally posted: 11/22/2006  reposted: 2/21/2011

Q: I am frustrated that I cannot find affordable health insurance. What options are available?

A: You are not alone. An average person's health insurance costs are rising about five times faster than an average person's earnings, according to 2006 U.S. Census data. That means that health insurance becomes more and more unaffordable each year. This trend had been accelerating over the past decade. National health care reform laws passed last year made coverage more available but did not tackle the affordability issue. The majority of signals indicate that this  problem will continue to get worse. 

The only logical approach is to purchase insurance that fits your budget even if this is not comprehensive coverage. Freedom Benefits Web site lists many of the lower cost insurance options and is updated frequently as new plans become available. Start by selecting your state and then scan the listings for the names of health insurance alternatives that you may have overlooked.

Purchase lower amounts of insurance that fits your budget rather than try to pay for coverage that is unreasonably priced.

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