Finding the right health insurance can be confusing, frustrating, and very expensive. If you happen to be self employed, the odds increase in difficulty as well. Self employed health insurance has been known to be even more expensive, then those who are offered an employee benefit package via their employer. Self employed health insurance has been dauntingly taxing on hard working self employed wage-earners, however, there are some strong strategies to follow when trying to figure out what you can afford.
Know what medical conditions you have. If there are current medical concerns, make sure those are your priority. Do not skimp on coverage – your health and quality of care should come first. If you are in need of individual or family coverage, determine needs for yourself or per family member. Seniors will have different health concerns compared to children. Watch for health coverage that caters to high risk patients or pre-existing conditions patients.
Comparison shopping is critical. Make sure to compare apples to apples. Research all the fine print. Compare deductibles, which cares are covered and by what percentage, check reviews of doctors, clinics, hospitals, and available services included in the self employed health insurance policy. Prescription coverage is very important, since it is a common cost for everyone. This may be the largest determining factor when deciding or figuring out what you can afford. Check with other acquaintances or friends who are also self employed – it helps to find referrals or testimonials. Be mindful of costs that are tax deductible.
Try to find companies that offer free quotes. Purchasing self employed health insurance online is very popular, but always use a secure website. Do not give personal information unless you are certain. Find insurance agencies that offer in-office visits. Many still prefer the face-to-face contact and interpersonal professionalism. Do not delay in finding the right health coverage. Health coverage is peace of mind and safety.