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Shopping For a Self Employed Health Plan

Posted by Marshall on 28 July 2010

health insuranceThere are many benefits to being self employed, but one of the drawbacks is that you are on your own when it comes to health insurance coverage. Fortunately, there are a couple of options when it comes to self employed health insurance plans so you shouldn’t have a hard time finding the coverage you need. When it comes to self employed health insurance plans, you can either purchase an individual or family policy that covers you and/or your immediately family, or you can purchase group health coverage, just like a big corporation.

A group health insurance policy allows you to get medical insurance coverage for you, your family, and your employees under the same plan. This will most likely not be the situation for the typical self employed individual, so we will save specifics on this type of coverage for another time. For the sake of this article, we will assume you are looking for coverage for just you and/or your immediate family (you, your spouse and your school aged children).

When it comes to the simplest health insurance for the self employed plans, you can get either an individual or family health plan. An individual plan covers just one person, the named insured, while a family health plan covers multiple eligible people belonging to the same immediate family. There may be times when you need an individual plan even when you are married, such as when your spouse has medical coverage through their job.

A family medical insurance for self employed plan may provide coverage for yourself, your spouse, and your eligible children. Typically, everyone needs to be a member of the same household. Children are usually eligible if they are dependents and may stay on your plan as long as they are going to school. Even college aged children may be eligible to stay on your self employed medical insurance plan, as long as they are enrolled in school and below the maximum age.

The easiest way to find a health insurance for self employed plan is to take your search online. There are websites that let you compare your options for medical coverage side-by-side, and even apply for coverage online. This makes the process of finding the right self employed medical insurance much easier than it once was. By eliminating the need to place a number of phone calls to a number of insurance providers, you can save a great deal of time finding the insurance coverage you need online.

Access to medical insurance coverage is key to maintaining your health. If you are self employed, finding a suitable health insurance plan should be a top priority. Go online today and see what your options are!


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