These days even a minor illness or injury can cost a lot of money to diagnose and treat and so the expense of a serious health condition can certainly be well beyond what the average senior has the ability to pay. For this reason having affordable senior health insurance is a must. Seniors who don't already have coverage may have difficulty qualifying because age is often evaluated as a health risk factor. Luckily if you are over 65 you most likely qualify for Medicare which covers most of your costs. You will need a supplement policy to make up for the rest and so you will need to look around for low cost senior health insurance. It is important to do your homework here and read the fine print so you know ahead of time what the low cost senior health insurance policy will and will not cover. Be sure to ask lots of questions and don't settle on the first one you find. Make sure it fits your lifestyle and what you think your future health risks might hold for you.