With the rise in health care costs, it’s become more important than ever to find health care insurance. However, needing it and finding something that is affordable don’t always go hand in hand. If you’re one of the millions without health care insurance, you have options that can help you cover yourself and your family.More employers than ever are offering health care insurance as a part of their benefit package. Most full time or salaried employees are able to pay monthly fees (taken out of their paycheck before taxes) in order to receive basic health care coverage. If you’re a part time employee, you may have the option as well, though you might pay more for your coverage.If your employer does not offer health care insurance, you can purchase a private plan. This is a plan in which you will pay your premium entirely, as opposed to having an employer do so. While this is a more expensive option, you may be able to talk with your tax adviser to see if it’s deductible at the end of the year – many times the cost is deductible, especially when you’re self-employed. If you’re concerned about the cost of medical insurance, there are also ways to control them.Another way to manage your health care costs is to raise your deductible on your plan. While you will end up paying more for your actual care, you will not be paying a high premium each month. If you’re in generally good health and don’t find that you go to the doctor for more than emergency visits, you might want to do this. On the other hand, if you do anticipate medical issues, you will want to opt for a larger premium plan and lower per-visit costs as these will add up with the frequency. This is something that works better for families that will have more visits overall.If you’re still having troubles finding health care insurance, you may want to look into your local social services and health departments. Many of these agencies can direct you to lower cost options for medical and even dental care. Women’s health centers can also provide low cost or free birth control and exams, if you need that kind of care.Health care insurance is readily available for many people, but you might want to spend some time finding the plan that will suit your needs – financial and health- best.