The global financial crisis has forced some Americans to take up jobs that they would not otherwise opt for under normal situations. Jobs can offer health coverage through the employer�s group health insurance plan. It is quite obvious that health insurance is one of the major lures for some Americans to seek employment.

Employee group health insurance plans typically have rich benefits and the employer usually contributes to the premiums. Private Health Insurance premiums for a family in some states can cost more than $1,000 per month. In some instances people work multiple jobs to pay their health insurance premiums.

Small business owners are also feeling the pinch with the steady increase in the health insurance premiums. They are finding it very difficult to make ends meet with heavy insurance premium burdens in an increasingly difficult economic situation.

Some businesses can consider Short Term Health Insurance plans when they have seasonal or temporary employment. Since the risk is lower with short term plans (i.e. 1 month to 6 months) the premiums are lower.