If you are unemployed of self-employed, then getting an individual health insurance rate is one thing that might be on the back of your mind. These rates can be quite low as most insurers will require you to have an interview either over the phone or face-to-face with them, which ever is easier for you to do. Individual health insurance is also for people who do not qualify or are unable to get into a group plan. It is still very possible to get an individual plan even with current or past health problems.
It is likely that they will be reviewing your financial situation to determine whether you will be able to pay-off or even pay part of the bill; that along with the interview can determine if you are eligible for this type of plan. Thankfully health insurance premiums are beginning to drop due to a response to the global financial crisis. Companies know that not many people can afford huge bills at the end of each month and have cut costs in order to still get people through their doors and signed up with them.