Group Health For The Self Employed

You're self employed, so you already know how expensive comprehensive health care coverage can be. Our national health coverage crisis has been hitting small business owners particularly hard – today almost 24 million small business employees are uninsured.

High prices have too many of the self employed settling for inadequate health coverage. Fortunately if you’re self-employed or the sole proprietor of a small business, you can find an affordable health insurance plan.

Two Ways to an Affordable Health Plan

• Buy into a Group Health Plan: Even though you’re technically self employed, you may be able to take part in one of the inexpensive group plans offered by your chamber of commerce or trade association. A group plan will definitely be your least expensive option, so be sure to check with any trade groups you’re associated with.
• Because any such group plan will be well established before you come along, you’ll have to accept it as is. Be sure an existing group plan meets your needs before joining up.
• Buy an Individual Health Plan Directly: You may be surprised to find how easy purchasing a relatively inexpensive private health plan from most insurance companies is. A variety of individual health policies on the market offer different brands of coverage aimed at buyers working with a budget.

  This option may cost more and it will require more research before you'll be able to settle on a plan.

If your business is doing well enough to hire a full-time employee, you may be able to acquire a group health plan of your own. Find out how many employees you’ll need before each insurance company will consider your firm a "small business," then research their policy offerings until you find a plan that’s right for you and your family. If you are looking for health insurance for the self employed, try an instant online quote here at Insurelane.com.