Self Employed Health Insurance-Things to Consider When Getting One

March 12, 2009 by  
Filed under Business & Employment Insurance

Getting a self employed health insurance is a very challenging task. The sole reason that you have to purchase it directly would need your careful consideration in terms of coverage. There are some important things to consider to be able to get the kind of insurance that would suit your needs.

Basically the first thing you need to do is to look for an affordable health insurance for self employed individuals. Although the risk of being turned down by health plan organizations is quite high especially if there is already a pre-existing medical condition, there are still health insurance companies who still provide services regardless of any medical history among the family members. All you need to do is to take a little extra effort in finding and confirming their insurance services. If there is a need for you to consult an insurance specialist then you may do so because this may lead you to save more money and effort knowing that you have a reliable source who can lay out all the information as concisely as what you need them. It would also be better that if you’re married, your spouse’s insurance should also cover you because then you may be able to save a large amount of money.

However, if you are single and self employed, one tip to get an affordable health insurance for the self employed is to check out the difference between availing it as a self employed health insurance basis or if it would actually be better and cheaper to purchase a health insurance at group rates. Again, this would need you to research and ask for information as to the availability of these types of insurances. Another way to save and benefit from your insurance is to have an assessment of what your medical condition is. There may be some restrictions to some health insurance for the self employed and if this happens then you may be paying for something that cannot cover for underlying conditions.

If you’re from California and you’re trying to get a self insurance for the self employed you can check for available options from a California self employed health insurance since they offer a variety of alternatives and different types of insurances according to your needs. Even if you already have a pre-existing medical condition, you may still be able to apply for a California self employed health insurance by availing a special program known as the California high risk pool or the Major Risk Medical Insurance Program. This program though only accepts people who have been denied already or if they have been offered with an excessive premium. The market offers a lot of options for consumers who would like to purchase an insurance plan at an affordable rate. There may also be a lot of companies who offer insurance for the self employed but one tip to look for affordable health insurance for the self employed is to ask directly to your state’s insurance department. This would save most of your effort, money and time.