How to get Self Employed Health Insurance

Finding affordable, quality health insurance can be a daunting task for entrepreneurs and the self employed. Fortunately, there are resources available to help you in your search. Follow these tips to find the right self employed health insurance plan.

Difficulty: Easy

Instructions

1. 

   Determine what type of coverage you need. Do you go to the doctor frequently or do you only go for annual health exams and emergencies? Would you rather pay a low monthly premium with a high deductable or a higher monthly premium with a lower deductable? Do you need maternity coverage or prescription benefits? Ask yourself these questions before starting your search.

2. 

   Search for self employed health insurance plans online. Web sites such as www.ehealthinsurance.com allow you to compare plans from multiple providers. Simply put in your zip code and your birth date to get several self employed health insurance quotes. Many of the plans allow you to apply online.

3. 

   Check with your local chamber of commerce to see if they offer health insurance for self employed people in the community.

4. Search the Internet for trade associations in your industry and see if they offer health insurance plans. Also, consider joining the Small Business Service Bureau (www.sbsb.com), which offers self employed health insurance plans.

Tips & Warnings

• Carefully read the details of each plan before making a decision. If anything is unclear, contact the health insurance provider for clarification.
• If you've been denied health insurance coverage or if you have a pre-existing condition, see if your state has a high-risk pool. You can check at www.healthinsuranceinfo.net.
• Do not lie on your individual health insurance application or omit information. If you do, you risk losing your coverage at any time.

Resources

• Escape from Cubicle Nation: From Corporate Prisoner to Thriving Entrepreneur
• Will Work from Home: Earn the Cash--Without the Commute
• Ultimate Homebased Business Handbook: How to Start,Run and Grow Your Own Profitable Business

[johnseretecdel]

on 11/15/2009 Great tips 5 stars for that information

If you are interested to save more than 30% on health insurance you can try this site.It really works.

http://www.MyOnlineInsurance.info

[oxymora]

on 6/30/2009 We spent years on Self-Employed health insurance. I never knew the Chamber of Commerce might offer something.

[mweise]

on 6/30/2009 Thanks for giving me some direction in my search for insurance.