Wednesday 5 June 2013

5 Important Guidelines in Finding Affordable Health Insurance for the Self-Employed

The biggest problem of being self-employed is that you won't be able to get health insurance benefits unlike people who are employed in a big company. However, you can still find affordable ones online and enjoy the same benefits.
If you're working for yourself, it doesn't mean that you won't be able to enjoy the same benefits that go with working in a certain company and it doesn't also mean that you won't be able to find affordable health insurance. The coverage for these independent individuals may be quite costly but when you're equipped with a little knowledge, you can find the best and yet affordable ones online.
Listed below are effective ways on how to look for affordable health insurance if you are self-employed:
1. When shopping around for this particular type of insurance, always look for coverage with higher deductibles. These high deductible insurance plans are also called drastic or major medical plans and they usually have very low premiums.
2. If you visit a doctor regularly because of a chronic illness, then you might want to consider getting a full coverage insurance plan. This is a good option for independent workers. Full or regular coverage plan can be expensive, however, there are a lot of companies online that offer this type of coverage at inexpensive rates.
3. One good option is forming a small group of individuals. This group may be your business partner, members of your family, relatives, or your own employees, making the costs lower. Get some quotes online from reliable insurance companies.
4. Paying your premium yearly is another way for you to save money since companies give out big discounts when you pay all at once.
5. Get quotes and compare them to obtain affordable policies for unaffiliated individuals. The easiest way is still to look online. When doing so, always ask for quotes and take time to compare them with the quotes you get from other companies and see which company offers the best ones at cheaper rates.
For many people, finding the best and most affordable health insurance for a self-employed person is really a very difficult task since most policies are becoming too expensive. But with a lot of options available out there and a lot of companies offering the best deals, many unaffiliated persons or small business owners will enjoy the same health benefits as that of a regular company employee.

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