Just over 50% of all Arizona families who have medical insurance report that the high cost of their monthly premium makes keeping their coverage a severe financial burden, and just over 16% of all Arizona residents report that they can no longer afford any medical coverage at all. And the problem is getting worse with each passing year. The good news is, there is a new type of "policy" available that just may be the prescription that many - including you - are looking for.

Before we talk about this new type of cheap insurance it's essential that we mention how important it is to do whatever you can to keep yourself healthy. This includes such things as not smoking or using chew, not eating at fast food restaurants, and getting some exercise every week. I know you've heard all of those things before, but maybe it's time for you to take them just as seriously as you take finding affordable health coverage.

The new type of medical coverage, which is proving to be extremely affordable for many people, especially people who are generally healthy, is called a Health Savings Account, or HSA. This is a special savings account that you can put tax-free dollars into. The catch is, you can only use those cheap tax-free dollars to pay for medical expenses during the year.

Because you do not pay taxes on the money you spend for your health needs, it is equivalent to saving at least 25% on the cost of your care. This is one reason why eating right, getting some exercise, quitting smoking and staying away from fast food restaurants is so important - the less you see your doctor the more you save.

As part of your Health Savings Account you will be required to purchase a cheap super-high-deductible health insurance policy. This policy will have a deductible of well over $1,000, which means that it won't pay anything toward any of your normal doctor's visits or pay for any of your prescriptions during a normal year.

The purpose of the cheap high deductible policy is to protect your savings account and even your home from the possibility that you will be hit with a catastrophic illness or accident which will end up costing you tens of thousands or even hundreds of thousands of dollars in medical bills.

Another way for you to save a boatload of money is to buy your health insurance online. The savings you will find online can be truly staggering.

If you really want to find the cheapest online medical coverage possible then compare prices on more than one website - then all you need to do is to pick the cheapest price you find and you can be certain that you are getting the most savings possible on your health insurance each and every month.