Getting affordable health care insurance is not always an easy thing to do. Discount insurance plans are rarely true low cost health insurance. But with Discount Medical Plans, a wide variety of health care plan quotes are available for four major types of health insurance - individual and family health insurance, group health insurance, short term health insurance, and student health insurance.

Individual and family health insurance policies are purchased directly from an insurance company, and allow you to choose the options, deductible amount, and co-payment percentages of your health care plan. Each of these factors affects the premium, so balance your coverage against your overall goal of getting low cost, affordable health insurance.

Group health insurance is health care coverage offered by employers as part of their employee benefit plans. Since employers often pay some of the costs, this is often the most affordable health insurance.

Short term health insurance tends to be very low cost health insurance with basic benefits, and may be the best health insurance plan for someone who is between jobs, a recent college graduate, waiting for employer’s group health insurance coverage, or otherwise temporarily not covered by health care insurance.

Student health insurance is health insurance for full time college or university students. It is usually an affordable health insurance plan similar to group health care insurance quoted and purchased through the university. Like group health care plans, however, the options are chosen by the university, and may not be the best low cost option for you.