Statistics indicate that since 1980 there has been a 61.8 % increase in the number of single fathers, which is twice as high as the increase of single mothers with custodial parental rights. It is a challenge for any family to obtain financially manageable health insurance quotes. However, it requires a compassionate and resourceful insurance professional to devise a health insurance quote for a single father that has the necessary coverage and benefit options. There are alternatives to the expensive traditional health insurance plans in the form of employee group insurance, HMOs, modification of private health insurance plans, affiliate group insurance, and state offered insurance plans.

Single fathers can obtain low priced group health insurance on the single-family plan if the employer offers group insurance. Because of the Health Reform Act as of September 23, 2010 parents will be able to continue group insurance on unmarried children to age 26. Group insurance is relatively inexpensive and will insure preexisting conditions without underwriting approval for insured children based on the new health insurance legislation.

Another lower cost health insurance option for single fathers is membership in a Health Maintenance Organization or HMO. The premium is much lower than the health insurance quotes on private health insurance. There is a smaller co-payment for office visits and medical care appointments usually between $5 and $20 per visit. Additionally, there may be no costly deductibles before benefits are initialized depending upon the plan.

An experienced insurance agent can develop a health insurance quote for private insurance with adjustments and modifications that can render premiums manageable on a single father's budget. For example, increasing the deductible to $1,500 or $2,000 will appreciably lower the total premium. Another method that will lower the cost of the policy is to decrease the daily benefit and pay a higher co-pay. These modifications will translate into more out-of-pocket costs, but there will be health insurance for serious or catastrophic injuries or illnesses.

Some affiliate organizations such as labor unions, professional organizations, religious orders, and fraternal organizations offer low cost group insurance to members. An online search will provide the names of organizations offer this benefit at a discounted rate. There are organizations that permit affiliate memberships with the payment of a fee in order to qualify for the organization's group insurance. States also offer specialized child health insurance plans to families and single parents with children under the age of 18 at no cost or little cost depending upon income.

In conclusion, despite the challenges of being a single father, there are economical options that will provide necessary health insurance.