subject: Learn from this common self-employed medical care coverage error [print this page] Learn from this common self-employed medical care coverage error
If you are a new business owner and need medical care insurance coverage, you probably have several choices and it may be hard to decide which alternative makes the most sense for you and your family. You may have the option of keeping your COBRA insurance from your most recent employer, you may be able to get coverage through your spouse's employer, you may be able to get insurance on your own as an individual and you may have the option of buying medical care coverage through your business.
The biggest mistake you can make is to think that all of the choices are equal or nearly so. Often a newly self-employed person will accept their COBRA option or the choices offered through their spouse's place of employment and never look around to see if they could get a better health care plan elsewhere. This is understandable. It is hard to start a business and taking the easy way out regarding your health care insurance allows one to devote more time to other business-related decisions.
As reasonable as this is, it is a error because it can be very costly. The most costly choice available that will cover you well will more than likely cost twice as much as the least costly alternative.
Each alternative listed above has its pros and cons. For this reason, the best choice for you may not be the best choice for someone else.
Accepting the COBRA option from a previous employer sponsored health care policy has the advantage of allowing you to stay with your present policy. It also requires the least amount of paperwork and no medical questions.
There are, however, two major drawbacks. The first is that the policy is temporary. This means that when your COBRA eligibility ends, you will need to find another policy. If you have an accident or contract an illness between now and then your options for other medical insurance plans may not be as good as they are today. The second drawback is the likelihood that this alternative is one of the more costly choices.
Another alternative you may have is to get your a medical insurance policy through your spouse's employer. This can be a good choice. However, many employers are now only subsidizing the cost of their employees' health coverage and not the cost of their employees' dependents insurance. This can result in a higher cost than you might get from one of the other options.
Another problem with purchasing coverage through your employer sponsored health care policy's plan is that your coverage will end when your spouse's employment does. It can also end if his or her employer decides to stop offering health insurance coverage to its employees.
Buying coverage through your business is another choice. However, do not expect a group insurance discount. Group insurance costs more than the typical policy you can get on your own. The reason for this is that group insurance contracts typically have to take all comers. This forces the insurance company to charge more for these plans than a policy you can get on your own.
The best option for most people who have one-person businesses is to get a medical care insurance policy as an individual or as part of a family plan. If you have medical issues that prevent your purchasing a policy on your own, one of the other options will probably be better for you. However if you are in good health care, you will probably be much better off with a policy you sign up for as an individual.
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