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Traditional medical insurance isn't cheap here in Arizona or anywhere else. Traditional medical insurance is already so expensive that more than 16% of all Arizona residents can't afford it at all and more and more families and individuals are dropping out of the health care system every year. Something drastic needs to be done - and it has been! Now there is a brand new form of health "insurance" that many people are finding much more affordable.

This new type of health "insurance" is called a Health Savings Account, or an HSA. If you are having trouble affording traditional medical insurance or even getting it at all because of a previous health issue, then an HSA might be just what you are looking for.

An HSA is a very special tax-free savings account. You put non-taxed dollars into this account and then you use those cheap dollars to pay for any of your medical needs during the year. If there is any money left in your account at the end of the year you can roll it over into the next year. This means you could, potentially, build up a nice tax-free nest egg over time.

Because you are paying for your medical treatment using tax-free dollars you are, in effect, saving about 25% on the cost of your medial care and you can choose any doctor you wish with little or no interference on the type of medical care you receive.

When you set up your tax-free account you will be required to buy a cheap high deductible health insurance policy. This policy will have a deductible so high that it will not pay any of your doctor's bills or prescriptions during a normal year - you'll pay for those things yourself using cheap tax-free dollars from you HSA account.

The purpose of the policy is to make sure you don't lose your life savings or even your home if you should be struck by a devastating catastrophic illness or accident which runs up medical bills in the tens or even hundreds of thousands of dollars.

Whether you decide that a traditional medical insurance policy is best for you or that one of the new HSA accounts will suit you better, you will always - without exception - find the cheapest medical insurance in Arizona online. Online sellers have almost no overhead and so they can pass truly monumental savings on to you.

The best way to insure that you are finding the cheapest price online is to make your price comparisons on several different price comparison websites rather than relying on the prices you find at just one site.

But the fact remains, once you have looked at all of the prices available to you online, you would be a fool to buy it anywhere else. Not only do you save time and money, but you also save yourself from the hassle of actually setting up an appointment with an insurance agent. Five minutes online is definitely the way to go.