Self Employed Health Insurance
If you are self employed you are a small business owner. Getting health insurance can be a tough thing to do especially if you have had health problems in the past. Being out on your own puts you at a disadvantage because you lose the power that comes with being included in group health insurance. Many people stay at their jobs just to be able to have health insurance. That is one of the many things that are screwed up in the United States.If you have questionable health you may want to talk to NASE which is short for the National Association for the Self Employed. Their website is :
http://www.nase.org/
Another option is to join a health discount plan. One of the best for that is Disscount Savers Plan which is owned by the Family Security Council. They offer a hybrid plan of discount savings, medical discounts, an elite ppo network, and insurance components.
With over 2.5 million members they have clout. You can learn more here:
http://designsaversplan.com/
Here are some things to consider when shopping for a health insurance for you or your family if you are self employed and in relatively good health.
1. What is my monthly premium going to be.
2. What additional costs will I have on each claim
3. What is my deductible
4. Can I go outside of my network for treatment
When you talk to an health insurance agent ask these 4 questions. If you do your own research online make notes on what you read and do some comparision shopping before you buy.
I'm sure this is not one of your favorite things to deal with. Being self employed or a small business owner means you have to do it all now and this one of those neccessary evils.
For more usefulsmall business information please visit our small business website here:
http://www.sites-plus.com
posted by Jeff Schuman @ 6:40 AM
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