Making decisions on buying individual health insurance policies is a complicated process, often because health insurance has been supplied by employers for decades.
Now the average worker is told by the company if you want health insurance, this is what you get. Because a large portion of the employee rate is paid by the employer and because it's easy just to add your dependents, most people know very little about how health insurance works or the reason a lower deductible plan costs more.
The time factor also makes purchasing health insurance expensive. Because most people don't have the knowledge on how health insurance works, they wait to the last minute to purchase protection.
You need to know there are different types of health insurance plans available to purchase. Major medical PPO plans for an individual has different guidelines than the group Major medical plan you have had for years. There are also Short term Medical plans and Mini medicals to consider. And on top of different products to consider there is a time factor, depending on your current health status, to speed up your selection process or be penalized with preexisting clauses. It doesn't matter what your income is, with the price of everything going up, protecting your income needs to be a priority to survive in this economy.