Health Insurance Articles
How to Get Health Insurance Online for the Self Employed
2009-02-11
Whether you have been self employed for years or are just now considering the transfer from the traditional nine to five workplace, there are a number of things you will want to consider. In addition to setting up a comfortable workspace and determining your daily schedule, one of the most important aspects when becoming self employed is how you will acquire affordable health insurance. Online health insurance providers are dedicated to helping the self employed like you find health insurance that is not only affordable, but will adequately cover you when you need it the most. Whether you are looking for an individual health insurance plan or something for the whole family, online health insurance providers are the answer for your self employed health insurance needs.
Attaining Affordable Health Insurance
Online health insurance providers understand that having the right information will help their self employed clients find the best family or individual health insurance plan available. If you are getting ready to transfer the ranks of the employed to the self employed there are a probably a few questions you may have. Some of the most common questions regarding self employed insurance policies include:
- Is self employed health insurance more expensive than group plans? Unfortunately, individual health insurance policies are normally more expensive than group plan policies. Insurance companies normally offer discounts to companies participating in group plans because most employees will not utilize their health insurance, helping to make the group policy a more affordable option.
- Are there group plans for the self employed? Depending upon the industry you work in, you may have the option of a group plan over individual health insurance. Many organizations, such as the Freelancers Union and several truck stops offer the affordable health insurance option of a group plan because they cater to self employed persons within the same industry.
- Do I need to establish a corporation to get health insurance? While establishing a corporation may help you receive certain tax benefits, you do not need to do it to receive affordable health insurance. Many online health insurance providers offer great discounts to the self employed without the need of corporation status.
- Are there pre-existing conditions for self employed health insurance? Like all types of health insurance, pre-existing conditions may exist for the self employed. There are ways to get around pre-existing conditions, however. If you purchase an affordable health insurance policy within 63 days of losing your former health insurance policy. Also, if you have gone more than six months without being treated for the condition, it will no longer qualify as a pre-existing condition.
HealthInsuranceCoverage.com understands how busy our self employed customers are and we are proud to offer this fast and easy service to help you find affordable health insurance online. Simply fill out our fast questionnaire and HealthInsuranceCoverage.com will find the best family or individual health insurance policies available. HealthInsuranceCoverage.com - your online source for fast, free health insurance quotes online.
