Finding low cost health insurance for anyone is important. Stay at home moms have it rough, especially when they are single, because they are home with their little ones and still need to find insurance. While they won't be able to get in on a group plan with an employer, there are still options available for them.

One of the easiest ways to find out some of the low cost health insurance options is with an agent. Health insurance agents are often free to use because they will be paid by the insurance company that you ultimately choose. Many agents have a wide portfolio of the companies they offer and they know everything about them.

When you employ an agent to help you with the low cost options, they will do all of the comparison shopping for you. You can tell them some of your requirements, including monthly payment range and whether you want a primary care physician or not. These will help them to select the policy that is right for you and is affordable, too.

Some stay at home moms may be married. If this is the case and the spouse is employed with a company that offers a group plan, this may be the most affordable option. The addition of one person to the plan is usually a lot more affordable than a private plan.

HMOs and HSAs are often the most affordable insurance plans in general. HMOs require a primary care physician within the carriers "in network" providers. You will pay a co-pay to see the doctor and will need their referral to see any other specialists. The other option is an HSA where you are given a specific amount of money in your account to start with for the year. As you visit doctors over the year, this money is depleted and then the costs become out of pocket.

There are plenty of low cost options for stay at home moms but it will require you looking for them, which can take some time. When it comes down to money, you may need to give up some of the "nice to have" features and be realistic about what you can afford.

The most important thing to be concerned with is that you get health insurance coverage. No matter what you end up paying per month, it is still going to be a lot more affordable then when you do need to see the doctor. Out-of-pocket expenses (other than a co-pay) can be extremely financially draining. Utilize an agent or do the comparisons on your own, but you will need to look for an affordable plan.