Health insurance for the self-employed shouldn't be a "luxury expense." We'll help you find the best self-employed health insurance plan for your needs. If you have gotten this far in your search, you already know that you don't want to be without this crucial coverage.
Describes your health insurance options
Explains the cost of insuring the self-employed
Links to great sources for health insurance quotes for the self-employed
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The search for the best coverage at the lowest price starts with comparing as many plans as possible from providers in your area.
To choose among the hundreds of plans available to you, use our fast and free comparison service to get quotes from major insurers in your state:
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Health insurance options for the self-employed
People who work for themselves run the gamut of trades, ages, and incomes. Consequently, there's no one-size-fits-all approach to health insurance for us out-of-the-box thinking risk-takers. You need to evaluate both your current situation and your business's future before you choose a health plan. Here are four common situations:
#1 You're a one-man (or one-woman!) show, and don't forsee your employee roster growing in the near future In this case, your best bet is probably a standard individual policy. The first choice you'll have to make is to decide between an indemnity or a managed care plan.
#2 If you're working on your own, but see that situation changing in the near future (whether you'll be hiring more help or expect to be hired by a larger organization yourself), a temporary policy might be a better option. These plans are fairly inexpensive, and you won't have to make much of a committment. (This option is strictly temporary though - don't usethis type of plann as a substitute for permamanat coverage.)
#3 Health insurance for the self-employed plus a few employees is a more complicated matter. If you employ between 2 and 50 people, chances are you qualify for (and would benefit from) a group health insurance plan.
#4 Finally, there's health insurance for the self-employed who fall somewhere in between, (a business run by you and your spouse, for example). These special situations have to be evaluated on a case-by case basis. We have more information on this a little further down on this page.
Self-employed health insurance costs and benefits
Health care today isn't cheap. Unfortunately, that can be especially true in the case of health insurance for self-employed individuals. Insurance is least expensive when rates and care are pooled among a large group of people. The larger the group, the more evenly the risk is spread.
Health insurance for self-employed doen't fall into that category. So you can expect the coverage to cost, especially if your business consists of just you or you plus a couple of others.
Happily, the situation is improving. As of 2002, self-employed health insurance costs are now tax deductible, at a rate of up to 70%. And that percentage could rise.
Another recent improvement is the growing number of health care options out there. Insurers are starting to offer plans that combine elements of fee-for-service and managed policies, so that you (and your employees) won't have to choose between good cost and good care.
Get self-employed health insurance (or more help!) now
The most important thing to keep in mind is that, even for the self-employed, health insurance should not be merely an afterthought. Should you fall ill, it will be too late to look for coverage. Start now.
We like Ehealthinsurance (partly because it's the largest online health insurance marketplace and other people must like them too). They offer individual group, and temporary plans, so no matter what your needs, they've got you covered. The application is fast and easy, and you'll have quotes within seconds.
Make sure you complete the application process completely to finalize your quotes. (This just aids accuracy - you're under no obligation to buy a policy until you send your first premium check.) Try them now.
If you've still got questions about health insurance for self-employed individuals, we can help. Check out our guide to small business health insurance, temporary health insurance, or individual health insurance.
We've even got two sets of state guides to help you navigate the local rules and regulations. See the state-by-state health insurance guides for individuals and the state-by-state group health insurance guides for more information. Good luck!