More and more Americans every year are facing the health no insurance issue for many reasons.

The number one issue is not being able to afford the escalating cost of health insurance when trying to find coverage on their own. Even those employed find they simply cannot take the hit to their paycheck that comes as companies reduce the amount they are willing to pay of an employees premium.

Unemployment is playing an even larger role in the health no insurance problem because people are not earning an income and with the average health insurance policy costing around $13,000 in 2010 there simply is no way to pay these costs.

Another issue is that beyond the montly cost of health insurance you then have a copay and deductibles that need to be met causing even more out of pocket expense.

This has left many in our country without any type of health care help at all.

The bottom line is these folks facing the health no insurance issue are going to be paying cash if they need to go to the doctor, dentist or get their prescription medications.

One way to get some help is through discount medical plans that offer a family a way to minimize the cost of medical, dental and prescription drugs.

These plans are set up very similar to how the PPO insurance companies have worked for years with the medical community.

Most people do not realize that a PPO works with doctors to negotiate discounted rates on procedures, visits and anything else patient related. This allows the PPO to pay a discounted rate compared to what a cash patient is going to pay when they visit the doctor.

A good discounted medical plan works in the same way.

They have contracted with doctors, dentists, pharmacys and chirpractic care to offer their members discounted rates when they need to seek medical care.

The person who finds themselves in a health no insurance situation is going to pay cash for their medical care. There is no way to avoid this issue but, reducing the cost can help ease the burden considerably.

In many cases a discount medical plan can be a very good option for cash strapped families. Consider the cost of a discount plan can average around $40 a month for complete family coverage.

If a family is paying $300-$500 a month for health insurance, which is considered very low, the savings per month with a discount plan can offer that family the ability to pay for doctor, dentist, vision and prescription costs and still save money on an annual basis compared to the monthly cost of insurance.

These medical discoutn plans are more geared towards those in the health no insurance situation rather than those that already have insurance coverage. In either case a good discount medical plan like Xpress Healthcare can certainly help.