Frequent and unexpected visit of new diseases and the sky touching rise of health care costs made health insurance a must for everyone. No doubt without a perfect health insurance plan you may struggle and sweat to pay doctors bills, prescription drug expense and other related medical expenses. Here comes the importance of health insurance policy. Your health insurance policy can keep your purse and account safe while meeting your health needs. Still some or most of the people take their eyes out these plans with a wrong belief that they bear high premium rates. But it is wrong. When compared to the values of your health, what you pay for your health insurance plan per day is less than the cost of a cigarette.