Self Employed Health Insurance

Self Employed Health Insurance. If you have purchased health insurance and you are self employed, then you have essentially bought what the market calls "purchased a self employed health insurance plan".  The benefits for that health insurance plan may be the same as anyone else you know, but the difference lies in the options you have available to you as a small business owner.
A self employed health insurance policy can be either a individual or group health insurance plan.  You will decide which way you wish to be covered but comparing benefits, price, exposure, and whether or not the individual health insurance market will accept you or not.  Many self employed health insurance purchasers tend to lean towards setting up a group health insurance plan.  This is in many cases done because it is all they have know.  Other reasons are that many people believe that group health insurance is less expensive then individual, due to the fact that they equate the transaction to purchasing in bulk.  Unfortunately, for the self employed this is not the case when dealing with your health care needs.  You will in many cases save more monday when purchasing your self employed health insurance policy through an individual carrier.  As always if you take the less expensive rd it may have some consequences.  For example if you have a major illness or injury an individual plan may rider that condition (in other words, not cover it), whereas in the group policy it will be covered subject to the standard conditions of the policy.
Don't be alarmed or confused.  Be aware that when properly purchasing a health insurance plan whether it is individual, small group, or self employed health insurance you will want a professional and dedicated staff that can help you as your needs are today and as they change.  We are the answer to the troubling question of how to purchase health insurance.  Your situation will first be evaluated by a licensed broker after you complete the quote request form.  When the review is over the insurance agent will determine the best path for your self employed health insurance with you.  Within 30 minutes, you and your agent can discuss all of your insurance options and the policy details to create the plan that fits best for you and your needs as a self employed individual.

We are often ask what is the cost of such a dedicated service.  Their is no cost to you.  We are paid by the insurance companies, but by representing many different carriers and many more insurance plans we have a wide variety of options.  With our large volume of clients we have had to deal with many similar situations and must be knowledgeable  in our plans that we represent.  Start enjoying more of your day and leave the worry about finding the right self employed health insurance plan to our service professionals.