Small Business Owners Can Get Affordable Self Employed Health Insurance - Here is How

Do you own your own business or plan to? Do you work out of the comfort of

your own home? Are you self employed? If so, there is probably one thing

weighing heavily on your mind each and every day you work for yourself; I

need healthcare insurance at an affordable price. How do you obtain that

affordable self employed health insurance? Well, most employees receive

medical insurance from their employer but since you are your own employer it

can be difficult to find the right health insurance coverage with low

premiums. Never sacrifice quality and service for low prices. If you are

looking for affordable health insurance you should consider organizations

that have a strong reputation; not companies that you have never heard of

before.

Everyone needs medical health care insurance , whether you are working for a

major corporation or if you are working for yourself. If you are working for

yourself then you more than likely would like to have affordable health

insurance rates, not insurance that will break the bank. People that are self

employed and don't have health care insurance is a larger group of people

than those that are self employed with insurance. A lot of self employed

people find it very difficult to pay the premiums for their own medical

health insurance plan because there aren't any discounts involved. Many

companies are able to obtain discounts on premiums for their employees

because the company is purchasing health insurance in one lump sum.

You have probably looked at more than a handful of health care insurance

plans if you are self employed. This can be quite a daunting task and can

take hours on end to complete all of the research required to find the right

health insurance provider. There are discount card programs or a la carte

coverage offered by insurance providers today. Some of these options can be

can be extremely expensive for people that are self employed.

So what can you do if you are self employed and need medical care insurance?

A new trend developing in the world of self employment is people within the

same industry banding together to form somewhat of a union. Say for example

freelance writers. If you are a freelance writer working for yourself, band

together with other freelance writers to negotiate insurance prices with

insurance providers. Doing this could get you and your peers lower rates on

health insurance plans because you are applying for it in large groups.

If you were employed with a company before becoming self employed, more often

than not your hmo insurance coverage from that job will last for six more

months before you are removed from the company's insurance plan. If you

become self employed, there is an option you can look towards when searching

for health insurance. That option is short term medical insurance. Short term

health insurance lasts anywhere from six to 12 months at a time and not any

longer than that.

If you know that you will be self employed for a certain amount of time, sign

up for short term health care insurance. Maybe you are dating someone at the

time and are planning on getting married in a year. Once you are married you

can be covered on the health insurance policy of your spouse while still

running your own self employment business. So, if you have your life planned

out and know that your future spouse will have medical coverage insurance,

your best bet would be to sign up for short term health insurance. This can

cost you less money than a full-time health insurance plan since it lasts for

a shorter amount of time.

Believe it or not, some companies will allow you to stay on their health plan

for longer than most companies if you leave on good terms. So, if you made a

good impression on your company and your boss, ask him or her if you can stay

on the health insurance plan for longer than normal. This can help you stay

covered with health insurance even while you are self employed. It will also

help you pay the premiums, which will be significantly less than paying for

health insurance on your own.

Paying for your own health insurance can be costly, especially if you have

any pre existing conditions like asthma, heart disease, or any other medical

conditions. Providers might not want to cover a person of your medical

condition because you are not working with a company.

Finding the right health insurance provider, as mentioned earlier, can be

quite a daunting task and a long task. Once you perform the proper research

on each available company, narrow the choices down to your top five. Ask your

peers in the self employment industry you are working in about the companies

you are interested in to see if anyone uses one of those companies.

Don't forget; don't sacrifice quality and excellent coverage for lower prices

on premiums. Don't let the health insurance companies take advantage of you

either. If you conduct the proper research and take the time to investigate

each company, you should be satisfied with your results.

Leon Edward promotes Established Affordable Self Employed Health Insurance where Everyones accepted at www.selfemployedhealthinsuranceit.com

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