It seems that affordable health care insurance is on the mind of many people today. Many employers have dropped their health insurance benefit in order to retain employees. While employees may be glad to have their jobs, they still need health coverage.It is sometimes difficult to find affordable health care insurance. Many people have simply given up trying to find the coverage. They may think it less expensive to pay for medical costs out of pocket rather than pay for the high cost of medical insurance. They may do fine with this policy until disaster strikes and someone has to spend several days or even weeks in the hospital. Suddenly, what seemed like a wise choice has been revealed very foolish.Only one hospital stay can build up thousands of dollars of debt and could lead to personal bankruptcy. Now you wish you had taken the time to find affordable health care insurance.There are some things you can do that will keep health insurance costs down. One is to raise your deductable. By raising the deductable, you can save several hundred dollars each year. You will need to be prepared to pay that deductable before the insurance pays anything on your medical bills, so make sure you choose a deductable that you can afford. Once the deductable is met, the insurance will begin to take over a majority of the heath charges.When you are healthy, you may think that health insurance is an unnecessary expense, You can easily look at all the other bills you have to pay and say, “I could sure use that money somewhere else.” Having health care can save a family from financial ruin. Many families without insurance find that medical bills quickly become overwhelming. Rather than cancel your health insurance policy, you should talk with your insurance agent about a higher deductible to keep insurance affordable for you and your loved ones.