I am self employed and need to buy family health insurance. How can I find affordable coverage?
UPDATED: Jul 25, 2015
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Asked July 25, 2015
Some people believe that being self-employed is going to make getting health insurance for themselves and their family difficult. The fact is, you may not get the big savings of a health plan that is partially paid by your employer, but there is nothing to stop you from getting a good group or individual health plan, and you may already have access to coverage through other sources.
Many different clubs and organizations make group health insurance available to members. AAA and AARP are two examples, but you may also be eligible for group health insurance through Sam's Club, or some other organization you belong to. Failing that, you can still get group insurance through an independent broker.
This website is an independent broker for health insurance, and can be the key to saving money on your family's health insurance. You can fill out a simple form here and receive a favored quote along with sample quotes from leading competitors also represented by this company. This will help you get an idea of what a health insurance policy is going to cost, and you can fill out an application right away if you find the policy you have been looking for. Since an independent broker represents multiple insurance companies, it is better situated to do most of the shopping for you, searching out the best prices from the different sources available.
If you have recently left an employer, you may be able to use the previous insurance until you find a replacement policy. Under the COBRA law, you insurance company has to give you the option of continuing your coverage for up to 18 months. You would have to pay the full premiums, including any portion previously paid by the employer, but it would keep you insurance from lapsing during the transition from an employee to a business owner.
Answered July 30, 2015 by Anonymous