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Holistic RemediesSelf Employed Health Insurance - The Cheap, The Expensive, and the Downright Ugly

If you are self employed and in need of health insurance then you have an abundance of choices ahead of you. There is individual health insurance, small group health insurance, discount plans, association benefits, and then of course the actual choosing of the best insurance company and the most comprehensive plan ? all without breaking your budget! Just as it is key to get everything in just the right order when starting out on your own and forming your own business so too it is key to do a little research right now and figure out which type of health care coverage is best for you and your loved ones. Here is a quick primer:

Individual Health Insurance

If you are healthy and no one in your immediate family that will be on the coverage is pregnant then this is almost always the way to go. Why? Everything else being equal, individual health insurance is roughly half the cost of a comparable group health insurance plan due to the differences in underwriting (that is why if you are healthy then by all means take advantage of your good fortune and compare quotes to find some very attractive low rates).

Small Group Health Insurance

Most states require at least 2 people to form a small group although there are some exceptions so you if you are a sole proprietor and running out of options request quotes and speak with an agent that is knowledgeable about self employed health insurance. As stated earlier, group health insurance is much more expensive than individual health. However, the positive side is that even if you have a major health issue in your past they cannot turn you down and exclude that issue as a pre-existing condition (you must have had continuous coverage up to that point and other criteria sometimes apply differing from state to state).

Discount Health Plans

Stay away from these at all costs. If you find yourself backed into a corner and cannot obtain anything else I would even go so far as to say that you probably should sacrifice in other areas rather than taking the risk that all of your assets could be attached due to an unfortunate large medical bill (if you are doing business as a sole proprietor then you deserve a double dose of warning ? request quotes in your area for an HSA or other high deductible health plan to save money on your monthly premiums).

Association Benefits

You may often see these type of self employed associations pushed upon you by unscrupulous agents who are after a large commission. If an agent tells you that this is the only way to get lower rates or to qualify for special tax benefits then run! They are misrepresenting the facts. Regardless of whether you join an association, choose individual health insurance or group health insurance ? so long as you have some schedule C income then you will be able to deduct 100% of your health insurance premiums up to your net schedule C income. (Tax laws change and your specific situation needs specific attention so speak with a qualified CPA or other financial advisor).

Compare free self employed health insurance quotes from multiple health insurance companies, learn how to find California self employed health insurance, and get free Texas health insurance quotes. Take a few moments to learn about the different health insurance plan options in your area so that you can be better equipped to find the most appropriate health care coverage for you and your family!

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Natural RemediesHow Does Health Insurance Work?

There are lots of different kinds of health insurance. Plan that cover medical services and prescription medicines, plans that cover dental expenses, disability insurance that replaces income lost due to extended illness or injury, long-term care, and so on. In the United States, people typically refer to the plans that cover medical expenses as "health insurance", and these plans are usually bought by employers and offered to employees as part of their compensation, or "benefits".

Health insurance plans are usually sold once, then renewed on an annual basis. So when a consumer buys health insurance (either directly or through an employer), the insurer agrees to pay for health expenses as long as the premiums are paid on time and the account is in good standing.

Health insurance plans come in two flavors: "Fee-for-Service" or "Managed Care". Both types of insurance cover major medical, surgical and hospital expenses, and are often referred to as "major medical plans". Fee-for-service plans pay the medical service provider a fee for each service provided to a patient, and that patient can usually go see whatever health care provider they wish. Managed care plans, on the other hand, pre-pay contracted providers for each member's coverage in advance. Members are offered a financial incentive to use providers who belong to the plan.

Here are a few common terms that you'll probably run into:

Deductible: This is the amount you must pay out-of-pocket before the insurer will pay anything. Deductibles can vary widely, ranging from $0 to a few thousand dollars.

Co-insurance amount: This is the percentage of your medical expenses you must pay after you reach your deductible. This will typically range from 10-30%.

Maximum out-of-pocket amount: This is maximum amount you are required to pay in a given year, after which the insurer will pay 100% of the cost of covered medical expenses.

Covered benefits: Types of medical services the insurer will pay for.

Exclusions: Types of medical services the insurer will not pay for.

Its true: there's a lot of jargon, and plans are difficult to evaluate and compare. But it's important, and worth your time. Carefully review plan descriptions, and take your time to understand the coverage of any plan you're currently under - or considering purchasing.

About the Author

Kurt Stammberger is VP, Marketing at Healthia Inc. Healthia provides integrated comparison-shopping information on group health insurance and small business insurance plans, free tips and advice for selecting the best plans that suit your needs.