How to Find Affordable Self Employment Health Insurance.

As the number of the self employed rises so does the need for affordable health insurance. Health insurance is something that we all need, but not all can afford. Here are a few tips to find the most affordable plan possible.

Difficulty: Moderately Easy

Instructions

1. If you are married and your spouse gets his insurance through his employer you may be able to add you on the plan. You could potentially save hundreds a month this way.

2. If possible talk to the insurance agent you have through your current employer. Your insurance agent may be able to get you into a plan similar to your plan with your employer with a higher deductible.

3. Talk with your friends who are self employed about good and bad experience they have had with self employment insurance.

4. Call the billing department of your family doctor. This step is a must for individuals with health issues. They may not be able to tell you what companies the cheapest per a month, but they can say which insurance companies work best with payouts.

5. Visit a web site they will give you multiple quotes on your health insurance based on your current health. Ehealthinsurance.com and healthinsurance.org are great places to start.

6. Check out different professional clubs in your community and large clubs in your career field throughout the states. Many clubs offer self employment insurance plans at a discounted rate.

Tips & Warnings

• When looking at the price of the insurance remember not all policies are created equal.
• Take the time to do the math to decide rather it is best for you to have or not have a bid deductible.
• If you have been unemployed through reasons beyond your control the Department of Labor's Unemployment Insurance (UI) programs provide employment benefits to eligible workers. Go to the state of residence website to learn more.

[leokeretlinter]

on 11/15/2009 Great article 5 stars

There are only a few online sites for health insurance that are not scams.I know a site that can offer you 30% discount.That really works.You should try it.

http://www.MyOnlineInsurance.info

[GreenGardenChic]

on 10/15/2008 I've been looking for small business health insurance, what a nightmare. Thanks for the info, I'll try #6 next.

[arstringfellow]

on 7/20/2008 Also try employer-of-record organizations, such as MBO Partners, http://www.mbopartners.com. Not only do they provide access to group health insurance benefits and retirement savings plans, they have very friendly and knowledgeable business managers that help with your back-office tasks, like invoicing clients.

[nethopperz]

on 7/1/2008 Thank you for the good tips. I'll check into this. Good article.

[changeling]

on 6/28/2008 This is a good starting point; thanks.