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Health Insurance Guide for the Self-Employed

Accessing medical insurance today is not as easy as it sounds, but a plan to suit your needs is possible with the right research. First the self-employed needs to decide how much health insurance he or she needs. Then how many other individuals will be on the same insurance plan. Some very helpful tips are:

1. Getting the most out of your insurance plan

2. Researching cheaper ways to self purchase

3. Temporary insurance or permanent insurance

4. Individual insurance plan or group insurance plan

To receive the most out of your insurance plan will take research. Are you looking for a policy with a high monthly premium and low deductible? Are you looking for an insurance policy with a low monthly premium and high deductible? What about office visit co-payments, a dental plan, hospitalization, and a prescription drug program? Are you willing to accept more out of pocket expense or is this not feasible at the moment?

Much will depend on your immediate family and those of your employees. Are you all young with school age children? Have you received any health insurance quotes from the insurance companies you sent letters? Something else to consider is the overall lifetime benefits for each individual. Once you have an ideal of what to search for you can try to narrow down the type of plan.

Are you aware that at the end of each fiscal year you may deduct your annual medical premium as long as you personally are a small business and paying out of pocket for the full expense? You will also need to find out if any of the individuals you are planning to add to your small business policy have any pre-conditions that may delay health care in full.

Pre-conditions such as arthritis, heart disease, eye disorders, diabetes, asthma, and a host of other maladies may complicate the issues. Here is a good place to search as we have a very comprehensive report on what is and what is not a pre-condition.

Now you can begin to look into different types of insurance plans that will be beneficial to you and your few employees. Something else to consider is a flexible spending account, but keep in mind this is not for everyone. Other types of small business low cost health insurance will involve the HMO, the PPO, the POS, and the HSA. Each of these plans will offer advantages and disadvantages.

About Author
Bernadette A works for VISTA Health Solutions, which is a Licensed insurance agency dedicated to meeting the needs of the individual self-employed and the small business owner.

Health Coverage For The Self-employed

Being self-employed has its pros and cons, and health insurance is one of the aspects, which makes potential freelancers think a lot about switching to this form of working. Some state that it’s hard to find appropriate health insurance if you are self employed, advocating against freelance jobs. But as with any other form of employment, there are ways you can get good coverage even when you’re on your own. It only takes time, patience and dedication to find good deals. And there are different options a freelancer can take to obtain health insurance coverage. Be independent There are many independent insurance agents who are ready to give you an unbiased advice on your health insurance option, and this might be quite a good way to get insurance coverage in your situation. Having a real person to talk with will make your shopping efforts really easy. Another way is searching the Internet for companies that are willing to sell coverage to independent workers and contacting them directly. Group with other freelancers If you are a worker in a professional field like writing, you can join a professional guild, club or league for group insurance options.

There is also the National Association for the Self Employed, for a less specific determination of your activities, which also provides health insurance benefits to freelancers. It all depends in the field of your work and your professional level. Some will find it easier to join such a guild, others will have hard time applying. Consider a high risk pool In many states you can find special high risk pools that are designed to provide health insurance coverage to individuals with increased risks (pre-existing conditions, no employment status, low income, etc.). Some companies won’t be willing to provide you with health insurance because you aren’t employed with a legal company. And having rejections in insurance coverage can make it even harder to find a company that will cover you. That is why some freelancers have no other choice but to go with high risk pools. However, keep in mind that this is not cheap health insurance as the rates will be higher than through typical employer-sponsored group plans. Use this option only as your last resort.

Think about COBRA coverage COBRA is a federally regulated option for health coverage that imposes the employer to provide group health coverage benefits to employees for a specified period of time that can exceed the actual working contract duration. This is a good thing to consider if you are at the phase of quitting your full time job for freelancing because it ensures you with health coverage during the transition period before you can find more suitable cheap health insurance options. Speak with your employer about your personal COBRA rights and start researching your cheap health insurance options online before quitting. As you can see, there are many ways you can get decent health insurance coverage while working on a freelance basis. So if you really want to go that road, health insurance should not be the factor stopping you from doing so.

About Author
Edith Feldman is a professional journalist who has years of experience in highlighting numerous topics and has worked with site like to bring people all around the world a better understanding of things.

Health Insurance in CA For The Self-Employed

Is health insurance a boon or a bane? It is a question on which people can argue till the cows come home and still not be any wiser.

At one end of the spectrum are the people, whose lives have been saved by different types of medical insurances, including California Individual Health Insurance, which made personally unaffordable medical treatment available to them. At the other end of the spectrum are people who have paid through their nose for medical coverage but were refused it because the insurance company decreed it that their condition was a ‘pre-existing’ one. Hanging in the middle are the myriad uninsured people who have no health insurance in CA or anywhere else.

The uninsured people, from the state of California, are likely to be in need of California Individual Health Insurance. Those who need individual health insurance in CA are mainly those who are not covered under any group insurance because they are either not working, or are self-employed. Insurance providers are often apprehensive of providing California Individual Health Insurance to self-employed people, as the companies are doubtful about their credit worthiness and ability to pay the premium on time.

Health insurance in CA may become available to a self-employed if his or her spouse is covered under a group health insurance plan provided by the spouse’s employer. Many group health insurance in CA automatically cover the spouse also. Sometimes an individual may leave an employer and start self-employment on his own. In that case he has the right to extend up to 18 months, the employer-sponsored group health insurance in CA under which he was covered. This will give him time to make alternate arrangement for his California Individual Health Insurance. However, during this time he has to pay the premium of the insurance himself.

After the 18-month period when he will lose the benefit of keeping the group health insurance in CA, he can buy a California Individual Health Insurance from any one of the myriad insurance companies that offer California Individual Health Insurance. A little searching around and comparing quotes will be necessary to select the right one, but it should not be difficult considering the number of sites that offer a whole range of covers available for the area where you are stationed. The snag in shifting out of the employer-sponsored health insurance in CA to a private California Individual Health Insurance is that the latter is unlikely to cover any pre-existing condition. As long as the person is within the protective arms of the former, he gets coverage for his pre-existing medical problems also.

Besides the self-employed, those who seek California Individual Health Insurance are those who find their employer-sponsored group coverage insufficient, or those who need additional health insurance in CA for their family members.

About Author
If you are self-employed and a resident of California and are interested in Health Insurance in CA or as an individual, if you are interested in California Individual Health Insurance, please do visit the site or call now

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