Can you get health insurance if your slef-employed?

Question

I've never applied, but I'm told its hard to get a policy if your self-employed...

Answer 1

Unicare, in our state--Illinois, allows a group plan with as few as two people. Also perhaps check out your trade or professional journals.

Answer 2

Absolutely! My parents were self-employed for years and always had Health insurance. It did seem a bit high in cost, but it was better than not having it to them. Things happen so fast and if you're not ready!

Answer 3

If you have a tax-identification or employer identification number to show you're a business, you can get insurance. Reason being - insurers would rather sell to a business than to a person because they have a smaller chance of getting screwed on unpaid premiums for someone who is in business.

Answer 4

Not hard to obtain to get Insurance if your healthy. I would highly suggest that you obtain a Health Savings Account, especially if you are self employed. Try www.HSAInside.com

Answer 5

Ya go to local insurance offices or on the web and ask, well I guess that;s what your doing here, doh. I've know people who get it at local insurance companies it's just usually your employer pays half and you pay half. Since you are your own employer you gotta split the cost with the boss.

good luck~

Answer 6

For free insurance quotes

Answer 7

a couple of other insurance companies to look at would be:

Assurant Health
N.A.S.E (national association for the Self Employed)

Answer 8

You can get it. Most colleges have a group health insurance plan for their alumni. It will be cheaper for you.

Answer 9

of course you can.

We offer over a dozen plans. It also depends on what are the health condition(s) of the self employed (could be husband and wife etc. as well to count for 2).

most companies require min. of 2 in a group and will guarantee to issue the policy but ...but ($$$) please contact these websites and test the market first. You will see many free information about the health and other insurance needs. It is free and please go to these sites for harder to get coverages like yours:

http://www.worldsinsurance.com
http://www.worldinsurancegroup.com
http://www.insuremeusa.com

Answer 10

Yes, but you can also get enrolled in a heath care savings program here some quick details

The Premier Health Care Savings program is a non-insurance approach to reducing healthcare costs to you and your family. The Premier Program provides health care savings from doctors, hospitals, opticians, dentists, chiropractors nationwide as well as significant savings on prescription drugs, diabetes supplies, hearing aids, durable medical goods, and over-the-counter products
The Premier Health Care Savings Program provides you and your family members with all of the following benefits:
Physician Network: Whether in the doctor's office, in the hospital, for accident or sickness, the Galaxy Health Network negotiates a fee for you which is an average 30% to 40% below the usual and customary fees.
Hospital Facility Network: This benefit provides a way to find participating hospitals in your area.
Accident Coverage: $2,000 Accident Coverage with only $100 deductible - on or off the job, at school or at play.
Accidental Death and Dismemberment Benefit: $5,000 Accidental Death and Dismemberment coverage.
Dental Benefit: Save 20-50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia, 20% savings for specialists at over 29,000 dental practice locations nationwide.
Prescription Savings Program: Provides substantial savings on your prescription medications.
Prescription Mail Order Program: Provides members the option of obtaining their prescriptions through our Mail Order Savings Program. Members can order a 30, 60, or 90-day supply at savings up to 40% off regular retail pricing and have them delivered directly to their home.
Over the Counter Savings Program: This benefit allows members to not only save on over-the-counter items, but members can also order online and have their items delivered directly to their front door.
Diabetes Savings Program: Our Diabetes Savings Program is your one-stop shop for information, education, cost savings, convenience and support for managing your diabetes.
Durable Medical Equipment Program: Members can experience savings of 20-40% off retail pricing as well as the convenience of home delivery for their Medical Equipment.
Hearing Savings Program: Savings up to 60% on hearing aid batteries, repairs, and hearing care accessories.
Optical Savings Program: Save up to 65% on your entire eye care needs. Our program offers you and your family immediate savings on all your eye care needs.

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