With the workforce full of more entreprenuers and self-employed freelancers than ever before, the need for self-employed health insurance is at its peak. Those who have decided to work from home due to economic changes also face similar challenges, as employer-sponsored health insurance is no longer an option for them.
Purchasing insurance directly can cost a fortune, leaving many to think they must forgo being insured altogether. Others are fortunate to have spouses with good insurance plans that will cover them and their children. But the truth is, health insurance, whether for those with employer-sponsored plans or self-employed individuals, is on the rise for everyone. For those who want to see what is available to them as sole proprietors, there are many possibilities. Doing the necessary research is vital in order to thoroughly understand the benefits and the pitfalls of insurance premiums, and comparing various plans dollar for dollar is the best way to do this.
The internet has many websites that provide information to self employed individuals, or small business owners, specifically about health insurance. Again, the more information you have, the better prepared you will be, and the better the decision you will make. The websites offer information on insurance for the self employed vs. insurance for small businesses, as well as information on the different types of plans that are available, such as the HMO or PPO health insurance plans.
The group Advocacy For Patients with Chronic Illness is an excellent resource is you are having trouble finding insurance due to a pre-existing chronic medical condition. This non-profit organization provides help in so many areas, and their main goal is to make sure that you are able including working with you to acquire the health insurance that you desperately need. The website Freelancersunion.org is another group that assists the self employed in finding affordable heath insurance. The group has relationships with insurance companies in 30 states to help the self employed acquire health insurance at a discounted price.
The National Association for the Self-Employed is an excellent source of information for self-employed individuals, specifically when it comes to information related to medical insurance. They also provide information on starting your own business, how to reduce business expenses, and information on legal issues. To find out more about the National Association for the Self-Employed, visit their site NASE.org.
