Finding Affordable Health Insurance For The Self Employed With Children Online

Individuals who work for themselves have always faced the challenge of health coverage. Health insurance for the self employed singles is often put on the back burner because of the absorbent cost to maintain coverage. Just because you do not qualify for a plan through an employer contributed plan does not mean you should not be covered.

Organizations, Clubs, and Local Associations

Many local organizations and clubs offer discounted insurance plans. It will take some time to do the research, but inquiring where you are already a member might produce surprising results.

Organizations for the self-employed like NASE, provide health benefits for its members. Members are paid cash benefits based on the nature of the illness. Emergency room and hospitalization benefits are available as well as lab tests, x-rays, dental and vision plans.

Some of the big name warehouse clubs offer more than discounted food and goods; they also offer discounted health care. Some have paired up with insurance companies to offer members reduced health care coverage. The Chamber of Commerce in your are may also be able to provide resources for cheaper health insurance rates.

Keep in mind that most organizations require membership fees or dues. When considering the cost of the membership versus the benefits of the programs offered, this may be beneficial even if it is used as a supplement to your major medical.

COBRA Coverage

For those who have been laid off or anticipate losing their job, COBRA extended benefits allow you to maintain your current coverage for up to 18 months. This is a great option if you have no other insurance, but keep in mind that you will have to cover the entire cost. When you know in advance that you will be losing medical coverage, switching to a less expensive plan will keep the costs down while in between jobs.

Insurance Agents Local and Online

Most people think of insurance agents for life and auto insurance, but they can also help with major medical coverage. Insurance agents can put together a list of quotes from which you can pick and choose. This works well for individuals who do not have the time or the patience to research insurance companies. It is important to know what type of coverage you are getting before you sign up so ensure that the policy will meet your needs.

Getting Insurance Through the Internet

A quick search of the internet will yield more insurance companies and plans than you can count. This can be a cumbersome task, but the end result may be a significant cost savings for you. From HMOs to short-term insurance; it is all available on the net and you can take your time and get quotes, investigate the various plans and see what works best for you. The premiums will vary drastically depending on the type of insurance you require and whether you need single or family coverage.

Searching health insurance for the self employed can be time consuming but your due diligence now will pay off in the end. Affordable insurance is out there if you take the time to do the research.

Learn about the advantages and benefits of having the health insurance self employed individual need today! When you are looking for the best health insurance quote you can find it fast and easy today!

Getting Your Adult Children Off Your Health Care Plan

One of the first changes of health care reform (The Patient Protection and Affordable Care Act) effects people under the age of 26. Previously, once a person turned 19 and was no longer a full time student, he could not be covered under his parents’ health care plan. What this meant is that people in their 20’s often went uninsured. However, effective September 23, 2010 a person can remain on their parents’ health insurance plan until the age of 26. That is certainly better than being uninsured, but it is the most affordable option for parents? Probably not. self employed health insurance. Here is the case for getting young adults their own health insurance plan:
1) Young people are generally healthier and do not go to the doctor as often as their parents. This means that a young person’s health insurance rates are lower and the type of health coverage they require is much less than their parents. Yet, under their parents’ health plan, they are charged for the coverage needs of their parents. Sometimes the cost of remaining on a parent’s health plan is as much as double the cost of purchasing a health care plan of their own, for services they will never need. For example, a young man will never need maternity coverage. This all can amount to quite a savings and a parent would be wise to consider paying the cost of an individual health insurance plan for their child. Tonik is a health insurance carrier offering affordable plans for young adults, Click here for a quote.
2) Accidents happen. Young people might be healthier, but they are more accident prone. Broken legs, shattered knee caps, concussions, the list goes on. Young adults involved in dangerous sports or hobbies, or who perform odd, labor intensive and physical jobs can sometimes cause an increase in claims on their parent’s health plan. This affects already inflated rates. Read our blog about casts.
3) The unknown job market. Traditionally, young adults remain on their parents’ health care plans until they get a job, at which point health benefits will be provided through their employer. But, the economic strive of the last 4 years has changed the job market, possibly forever. Who knows when a child will enter the work force, and what the character of his employment will be. He may be an independent contractor or temporary employee and never receive insurance under a traditional employer sponsored health plan. Having his own health insurance plan protects him from being uninsured. Read our blog about independent contractors.
4) Rate increases as a result of reform. The effects of health care reform on health insurance rates are unknown and cannot be fully measured before 2014, when reform is completely enacted, however, it is the consensus of many in the insurance industry that rates will increase considerably. Those that have an existing health plan may be grandfathered in and not be affected by health care reform rates. Avoid being one of the masses looking for insurance in 2014, get it now. Click here for an affordable rate..

For additional tips on selecting a united health insurance, visit http://www.eIndividualhealth.com, a full-service insurance agency that offers Health Insurance Providers Advice
to individuals, families, young adults, and small businesses. eIndividualhealth is the sister company of Filice Insurance, one of the largest employee benefits and insurance consulting firms in Northern California, serving large and mid-size business consumers.

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