How to Find High-Deductible Health Insurance When Self-Employed
Health insurance can be expensive for anyone. When you are self-employed, though, you miss out on the benefit of an employer subsidizing your health insurance and a much higher monthly or yearly premium. One way to lower health insurance premiums is by choosing a higher deductible. However, you still want insurance that will meet the needs of your family. The solution is shopping around for the best insurance plan for you that allows higher deductibles.
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Instructions
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Get an insurance agent. Many insurance agents specialize in finding health insurance for self-employed people. They can help you find a high-deductible plan that suits your needs.
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Join a club. There are many organizations for self-employed and small-business owners that provide high-deductible health insurance at a discount to their members. Contact your local Chamber of Commerce for organizations in your field or area.
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Use the Internet. Websites abound that make it easy to search for health insurance plans with a variety of deductibles. You can select the high-deductible plan that fits what you need.
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Contact a major hospital in your area. The physicians group of the hospital network might offer a lower-priced, high-deductible insurance plan for self-employed people like you.
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Put your spouse on the payroll. If you have employees, you may qualify for a group plan with a high-deductible at a lower rate.
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Tips & Warnings
Stay--or get--healthy. Losing weight, giving up cigarettes and maintaining overall good health will mean fewer visits to the doctor's office and lower medical bills.
