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Finding a good low cost health insurance plan today is a matter of first deciding what type of plan will provide you and your family with the cover you need (indemnity, HMO, PPO, POS etc.) and then narrowing your choice down to plans offered by perhaps four or five different insurers. The next very important step however is to check out your potential providers’ health insurance ratings to ensure that you are purchasing your plan from a good affordable health insurance company. There are many different ways to do this but perhaps the simplest is to use some of the online rating agencies such as A M Best, Moody’s and Wiess.