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.
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.