Affordable self employed health insurance
So you have (or want to have) you own business? You want your own freedom and be your own boss! Set your own hours, set your own rates. However, as you know there are a lot of things you have to consider first before building a successful business. One of the most important things you have to consider before starting is a health insurance. You will need an affordable self-employment health insurance. Having insurance, especially if you are a self-employed, is a must! If you were employed by a company you know that group health insurance plans rates are more affordable. Is there any really cheap health insurance for self-employments? Maybe you have to follow one of the following options. Here are the “health insurance secrets”.
Coverage through a spouse's employer
Are you married? Then your spouse employer can help you. This is one of the cheapest options for insuring you and the whole family. Try to cover the family for health insurance through a spouse's employer. This can be done as long as your wife or husband is working for a company that has a group health insurance plan. Try to make a professional meeting with the boss of the company and discuss about it.
Cooperate with other self-employed and small business Owners
There are local organizations and national organizations of self-employed people who have joined together to combine their buying power and get affordable health insurance premiums through group policies. You can have more information on this for you local area at the following websites: American Association of Home-Based Businesses at www.aahbb.org and the National Association for the Self Employed at www.nase.org
Group Health Insurance for the Self-Employed
Yes you read it correctly! There are health insurance companies that offer affordable group policies for groups of one. If you are one of the persons that have been turned down for an individual health insurance policy because of health this is your change! The benefit of this option is not just a cheaper health insurance. They are required to cover everyone in the group, despite of health conditions.
COBRA (Consolidated Omnibus Budget Reconciliation Act)
COBRA is another option for the beginning of your self-employment. It is an option when you were already working in a business as an employee. When you leave your job, for the first several months your employer has to give you the option of retaining a member in their health insurance plan. This is required by law.
You will have to cover the entire monthly premium paid by your company rather than the amount that you're used to paying as an employee when your employer was covering part of the cost. Note that the cost for a family health insurance through a group can cost close up to $1000 a month! However it is more affordable health insurance plan than most other plans that you can get as an individual. In the mean time you should be looking for other health insurance options while you're still covered as this is only temporary.
Also note health insurance costs for the self employed have been tax-deductible for the last few years.
As I said before an affordable self-employed health insurance plan is a must! No matter what, be sure you chose an insurance company and follow an option. Your family and yourself protection from illness and accident are the most important things for you in the whole world. Always compare the coverage and cost of several different health insurance companies, as this can help save you more money. Get honest answers from other people who have already a health insurance with those providers or in websites with some kind of rating and evaluating these companies.
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