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With prices for basic necessities like gas, food, and mortgage payments growing year by year, the hunt for affordable health insurance is leading too many people to sacrifice good coverage for lower payments.

According to MSNBC, there's a new trend that consumers need to keep an eye on: the purchase of an affordable health insurance policy that won't cover you when you need it. Sure, there are companies out there that are offering low-cost policies, but with high deductibles and minimal coverage, the consumer is taking on considerable risk should something happen to them or a loved one.

As it says in the article, it's too easy for consumers to "focus on the low monthly price and not examine the cost and coverage of each health service" that's offered with an affordable health insurance plan.

It's also good to steer clear of any policy that doesn't set a maximum amount that you'd be responsible for paying. These plans can stick you with a monumental bill in the event of a sickness or accident.

Of course everyone deserves an affordable health insurance plan that won't create undue financial stress, but it's still very important for consumers to be aware of exactly what their insurance does and doesn't cover.