What is a good health insurance for the self-employed?

Question

I own a real estate investing business and I want to get health insurance for me and my family. Do you know of any good insur. companies for the self-employed?

Answer 1

I work for a small business and have Cosi through Medical Mutual. I think they may cost a little more than Blue Cross, but we've never had a problem in 12 years. Call around to doctor's offices in your area or your particular doctor and find out if they take the insurance before you sign up for anything.

Answer 2

At - QUOTESTOCOVER.INFO- you can get quotes in just a few minutes

RE What is a good health insurance for the self-employed?

I own a real estate investing business and I want to get health insurance for me and my family. Do you know of any good insur. companies for the self-employed?

Answer 3

Help yourself you can check your quotes in internet for example here http://help.cheap-insure.info/-2

RE What is a good health insurance for the self-employed?

I own a real estate investing business and I want to get health insurance for me and my family. Do you know of any good insur. companies for the self-employed?

Answer 4

The self-employed CAN have lots of options. Individual and Family coverage is offered in all states and can be more affordable than most people think. In most states you'll have a choice of PPOs, HMOs, and HSAs (HSAs are high deductible health plans tied to a Health Savings Account, which operate much like an IRA).

I know that first paragraph had a lot of acronyms, but that's the nature of health insurance. You may want to consider finding an local agent who can help you out. A good agent can match your unique needs to the plans offered in your community. My recommendation is to find an agent that represents multiple plans so you get more choice.

If your in California, you may want to check out www.InsuranceNeighborhood.com. Not only can you compare rates and benefits from several plans, but you can find a local agent who has qualified to be in their network. Outside of California you might want to try www.InsureLane.com. Another source for agents is www.NAHU.org, the national trade association for agents focusing on health insurance. Go to the Consumer Information tab and click on the "Find an Agent" link.

I'm sure someone will recommend a medical discount card. Be very careful about these. They are NOT insurance. There's no limit to what you might need to pay out-of-pocket. And be very sure your current physicians and local hospital work with the discount program you're considering.

Answer 5

Part of the answer depends on the state you live in. Health insurance is governed by state law for the most part. For most states you have two options, individual insurance (insurance not partially funded by a company), and group insurance. Individual health insurance is typically similar to the coverage you can get as part of business group. However, usually it does not cover maternity costs. Most states also allow individual plans to be medically underwritten. That means if you are not very healthy they can charge you more, not cover certain things, or not offer you coverage at all. Plans vary widely from carrier to carrier because there is loose government regulation of individual health insurance policies. If you have heard of the company before be wary, if you haven't heard of them before it's best to walk away. Look for a good plan design like a PPO, or a POS. Group health insurance would be purchased by your business, and would list you and your family as a member of that group. You cannot be turned down, but in some state you can be charged more for being unhealthy. The coverage is typically very regulated by the state making the plans pretty similar from one company to the next. Just choose a deductible and max out of pocket you think you can afford. As far as cost is concerned group insurance will be much more expensive. You have the ability to split some of the cost with your employees, but it will still be expensive. Here is a quick example for Colorado, coverage for a single 30 year old male would cost: Individual $151 per month Group $435 per month. What I would do if I were you, get individual coverage if your healthy, and stick with that as long as it works for you and your business. Maybe offer employees a higher wage due to not covering health benefits and tell them about individual health coverage. Then if at some point you find your employees really need a plan that does not have medical underwriting you can get group insurance. Find an insurance broker to deal with as well. It will take some of the pain out of it. A little known fact the price of the coverage is locked in by law. That means you can get a broker to find the best plan for you and it doesn't cost any more money. Health insurance brokers are one of the few actually free services out there.

Answer 6

I suggest one to try this web page where onel can get quotes from different companies: http://insuranceforcheap.info/index.html?src=2YAMrOqzU5aRr

RE :What is a good health insurance for the self-employed?
I own a real estate investing business and I want to get health insurance for me and my family. Do you know of any good insur. companies for the self-employed?
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Answer 7

Individual Care Blue or IC Blue is a decent Blue Cross plan. If you are healthy then check out Humana.

Try a local insurance Agent. Some states have different options than others.

Answer 8

Go on the Internet for health Insurance and ask
for more information to read in details and choose the best for you and I recommend Blue Cross Blue Shield.

Answer 9

A lot depends on where you live. If in the USA then check out the HMOs as well as other plans. I had Kaiser for many years and also had Blue shield for a while. I liked the HMO idea better.

Answer 10

Try https://tr.im/BSAV4