Self Employed Health Insurance

The self-employed have been squeezed by the rising costs of health care.

We know that shopping for new health insurance, while running a business is time consuming.

As a corporation, self-employed person, or sole proprietor, your choices for insurance follow guidelines similar to families and individuals seeking health insurance.

You have two categories of insurance to consider: group and individual. Due to lower costs, most people buy GROUP insurance.

What types of self employed health insurance are available to me?

Group insurance has several types of choices: (HMOs, PPOs, POSs, and Health Savings Accounts).

As it relates to the self-employed, HMOs offer slightly lower premiums but you generally need to live in close proximity to your HMO/Clinic doctors.

PPOs and POSs are less rigid, in terms of choices for medical needs, and are available in wider geographic areas.

For the business owner??? Health Savings Accounts (HSAs) will give you higher deductibles, lower premiums and a tax-free way to possibly save for retirement.

All of the above types have individual advantages as well as disadvantages - THAT IS WHAT WE DO -Explain and Explore all your options with you !

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(800) 707-3397 (TOLL FREE FOR CALIFORNIA RESIDENTS)

What should I consider when shopping for plans?

The self-employed have these points to consider when looking for health insurance:

• Health insurance for the self-employed follows the same basic guidelines as insurance for families and individuals.
• Most self-employed business owners buy group health coverage. Learn about the various types (HMOs, PPOs, POSs and HSAs) before making a decision.
• Changing the deductible on the policy can easily raise or lower the premium.