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Self Employed Health Insurance
Those who need to purchase self employed health insurance often find themselves to be a bit neglected by the health care market.
The plain truth is that most people get insurance of some kind from their employers, so those who have to get self employed health insurance from a private insurance agency have to jump through much of the same hoops as those searching for individual coverage.
This includes higher premiums and more difficulty qualifying for the same coverage everyone else gets at work.
In fact, small business health insurance costs have gone up 20% in the last six years, and the annual costs of these policies are paid entirely out of pocket.
But there is a way to get good coverage at a price you can afford - shop around, get lots of health insurance quotes, and make sure that every agent you talk to knows you're doing it.
Many agencies will offer similar self employed health insurance plans at varying costs, and in some cases one agent will offer you a lower price if he or she knows you're heading over to their competition next.
Just make sure there aren't any hidden or surprise costs waiting for you. Keep track of your monthly premiums, deductibles, co-pays, coverage for medications, yearly checkups, and emergency appointments.
You might find that it's worth it to pay a little more for a plan that offers better coverage, just for the peace of mind.
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