Getting The Best Medical Insurance For One-person Businesses
Entrepreneurs have several choices when it comes to health coverage
. They can find health care coverage on their own through the individual or family market. They may be able to get a policy as a one-woman or one-woman group. They may be able to get a health insurance policy through their spouse's employer. Considering your choices with each type of insurance can mean that you get the best policy for you and your family.Chances are there are many medical care insurance carriers in your state that sell health insurance policies directly to consumers. Often the rates you can get as an individual will be the significantly lower than the rates you got as an employee.
Many of the same medical insurance carriers that insure large corporations will also allow individuals to purchase medical insurance from them directly. They will often have both group and individual medical insurance contracts. Although, there are plenty of reputable companies that offer individual medical insurance but not group medical insurance, this can help you shop with confidence.
Often these health care insurance companies will have better networks of physicians. Sometimes the networks for their group medical insurance policies and their individual medical insurance policies will be the same. However, one shouldn't assume that just because a doctor is part of the group insurance network that he or she is a part of the individual or family insurance network.
Private health care insurance policies will typically only be available to those who are healthy. This is why they are often less expensive than group insurance policies. If you are in poor medical, you may be charged more than the standard rates. You may find that an individual or family policy is not available to you at all. Fortunately, if you do not qualify for an individual or family policy you may qualify for a group insurance policy.
In many areas, one-person group healthcare insurance policies are available. These health care contracts are often available without any medical questions so even if you have been denied an individual policy, you may still qualify.
If you are married or have a domestic partner, you may be able to get health care coverage through his or her employer-sponsored health policy. You may be able to be added on to the policy without any medical questions during its annual enrollment period. Certain events such as marriage may allow a dependent to be added to a group policy as if it is in the annual enrollment period.
This is often the best option because the premiums may be subsidized by the job However; many employers no longer subsidize the premiums of their employee's dependents. They may or may not even subsidize their employees' share of the premiums.
Health Coverage isn't the only important insurance type. When considering your insurance choices are sure to also look at disability insurance and life insurance also. You should also make sure that you have a retirement plan in place. Many self-employed people overlook other lines of insurance and hurt themselves and their families.
Chances are healthcare insurance is available to you as a self-employed individual. There are probably several healthcare insurance companies who will sell directly to you as an individual or who will offer you a one-person group insurance policy. You may also find that you can be added your spouse or domestic partner's group coverage plan.
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