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Self Employed Health Insurance - What does that mean ?
It may require a little work and research on your
part, but people who are self-employed/sole
proprietors can obtain health insurance. There are
two routes to take when seeking self employed
health insurance: individual health insurance
directly from the insurance company or group
health insurance, usually through a chamber of
commerce or trade association.
In general, group health insurance is less
expensive to obtain, so be sure to check with any
local trade group or chamber of commerce you are
associated with before making any inquires about
individual insurance. The only drawback with group
insurance is that since the plan has already been
established, you have no choice as to the plan
options that are available. Make sure that the
existing plan will suit your needs before joining
the group.
The second route, individual insurance, is
usually more costly and will require more research
before a plan can be established. There are many
policies available with different types of
coverage and different budgets from insurance
companies. They may be researched via the
Internet, an insurance broker or by calling the
insurance company directly.
Although it may seem difficult to obtain
self-employed health insurance, there is a light
at the end of the tunnel. If your business does
well and you end up hiring at least one
(full-time) employee, and you incorporate your
business, you can acquire group health insurance
for your new firm. Check thoroughly with each
insurance company to determine the number of
employees they consider to be a "small
business" before committing to anything.
If you are looking for self employed health
insurance, you might want to get some online
instant quotes from eHealthInsurance.com to get a
starting idea of price range and benefits from
many different provider companies. Of course,
before committing to any insurance program,
research all aspects of the policy to be sure the
plan is right for you and your family. more..
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