Health insurance scams and fraud. Are you concerned? You should be! We explain what you can do to recognize medical plans that will not provide the benefits you should have.

Free healthcare is offered to many persons through several government programs. Coverage is available in all states, and many $0 premium options can be applied for.

Blue Cross and Blue Shield health insurance plans are offered in all states to individuals under age 65, and also to Seniors that need Medicare and Supplement/Advantage coverage. Benefits are provided to almost 120 million persons in the US, and the BCBS provider network is the largest of all insurers.

Do you need health insurance? And do you need it quickly? One of your best options may be a short-term medical plan. UnitedHealthcare, Allstate, and several additional carriers provide very competitive prices. Policies can be issued within 24 hours. An ACA Marketplace plan during Open Enrollment should always be considered. However, the effective date may be January 1 or February 1, depending when you apply.

Kaiser Permanente Health Insurance is available in many states. View and compare Senior Medicare and private coverage for yourself and family members. Copay, deductible, and virtual plans are offered in many states. Catastrophic and HSA contracts are available for persons under age 65. Premiums are generally quite affordable for these options.