Having health insurance is going to help anyone that goes to the doctor and has these bills that can be astronomical in how much the person owes for the service. Therefore, most people find that having health insurance and paying a monthly premium for this is going to still be cheaper in the long run for their health care needs in comparison to just paying for the doctor visit on their own. With that being said, getting health insurance quotes is now easier than ever thanks to the fact that more and more health insurance companies are allowing people to apply for this online.