Finding Health Insurance for Self-Employed Individuals: A Guide For the Freelance Newbie

With a rise in those looking to venture out on their own in the business world, health insurance for self-employed workers is a priority. At first glance, obtaining health insurance for self-employed individuals may seem difficult and quite overwhelming. However, with research and education, finding the right policy can be done with ease.

Self-employed insurance is for those who own a private business, or for freelancers such as writers, designers, artists, etc., who work on their own. Before purchasing a plan, it is advisable to learn as much about the specific policy, paying particular attention to the needs of the self-employed worker. Examine several quotes before actually purchasing the insurance. It is essential to know what the policy will cover, and what it won't. It is recommended not to buy policies that exclude pre-existing conditions, for some plans have ongoing care for chronic diseases and conditions.

Although most self-employed health insurance plans provide basic medical coverage, every person requires something different when it comes to their health. A few essential things covered are: physical exams, hospital and emergency care, prescription medication, vision and dental care. Some self-employment health insurance plans can also offer some extra benefits. These may include: drug and alcohol abuse counseling, physical therapy, hospice care, and alternative health practices such as acupuncture.

While individual insurance usually is more expensive to obtain, there are ways to cut down on the cost. One way, is to pay your premium annually. By doing this, there is no service fees, and discounts may also be available. Another option is transferring to a higher deductible. A larger deductible equals a considerable reduction in premiums. And a third option? Think about enrolling in a group plan. Look into joining a small-business association or trade group. However, make sure that the current plan fits your own needs before becoming a part of the existing group.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers discount health insurance, auto, life and home insurance that you can research in your pajamas on his website.

MORE RESOURCES:

Concepta Insurance Consolidation Facility Receives DOJ Clearance - MarketWatch

Health insurance sticker shock hits consumers - Chicago Tribune

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/1-0fd=Rurl=http://newsblogs.chicagotribune.com/triage/2008/12/health-insuranc.htmlcid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNFQiQGuQgrNtmluv29a5B8BTDzrJwHealth binsurance/b sticker shock hits consumers/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1Health binsurance/b sticker shock overcame Mickey Trznadel when he opened an envelope from Blue Cross and Blue Shield of Illinois earlier this year, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-1fd=Rurl=http://www.marketwatch.com/news/story/Blue-Cross-Blue-Shield-Michigan/story.aspx%3Fguid%3D%257B5379FA18-BBBE-4084-A40A-AB5CFFB0BDAD%257Dcid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNEsd08sTiSEBLFY0CrDZjLcM8YqXwBlue Cross Blue Shield of Michigan Answers Attorney General/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-2fd=Rurl=http://www.mlive.com/annarbornews/news/index.ssf/2008/12/blues_michigan_ag_continue_hea.htmlcid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNGy6sAQRANJdBPxrit9EcnMJ_MPKABlues, Michigan AG continue health binsurance/b fight/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-3fd=Rurl=http://www.mlive.com/kzgazette/news/index.ssf/2008/12/blue_cross_blue_shield_of_mich.htmlcid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNFeIYwXTb1uGHcoznAPZwjEuHb2pABlue Cross Blue Shield of Michigan continues push for health b.../b/a font size=-1 color=#6f6f6fnobrKalamazoo Gazette - MLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/1-4fd=Rurl=http://www.freep.com/article/20081201/FEATURES08/81201068cid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNGJYsrlqJ5BLdK4e_nKABZ-c6HjHAnobrDetroit Free Press/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/1-5fd=Rurl=http://www.crainsdetroit.com/article/20081201/FREE/812010270/-1cid=1276133500ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNFT7lwCyKUpgyIryxNSx-s9WOiwRAnobrCrain's Detroit Business/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276133500hl=ennobrall 23 news articles/nobr/a/font/div/font/td/tr/table

Morning Rounds Rising Stress Levels, Limited Health Insurance and ... - New York Times

Premiums for workers#39; comp insurance to rise 3% - Seattle Times

Drivers without insurance will have their vehicles towed after Jan. 1 - Dallas Morning News

Prudential PLC eyes AIG#39;s Taiwanese life insurance unit - MarketWatch

RAM Holdings Announces Commutation of $10.6 Billion Par MBIA ... - MarketWatch

Fabian Nunez Joins Zenith#39;s Board of Directors - MarketWatch

State issues finding in Holyoke Medical Center insurance dealings - The Republican - MassLive.com

Fairfax to buy rest of Northbridge for C$686 mln - Reuters

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://www.reuters.com/article/mnaNewsFinancialServicesAndRealEstate/idUSN0150299520081201cid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNFJGWUYMvpeB1o7J21_i7KxIWo2_AFairfax to buy rest of Northbridge for C$686 mln/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Fairfax said it expected Northbridge President and Chief Executive Mark Ram to remain in charge of the Canadian binsurance/b operations. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.marketwatch.com/news/story/Northbridge-Fairfax-Announce-Privatization-Offer/story.aspx%3Fguid%3D%257B0A513448-3272-4E3F-8D0C-251C2F23FFA7%257Dcid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNE58YcMCkofKUvsvkyw-A7eRPx1bgNorthbridge and Fairfax Announce Privatization Offer/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.bloomberg.com/apps/news%3Fpid%3D20601082%26sid%3DacOweNniPPE4%26refer%3Dcanadacid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNE-3Cr7jXF4NgRR27nQSMRcXQFXMACanada Stocks Decline, Led by EnCana Corp., Financial Shares/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://business.theglobeandmail.com/servlet/story/RTGAM.20081201.wfairfax1201/BNStory/Business/home%3Fcid%3Dal_gam_mostemailcid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNE8cgt4CYzDUSo71-Hx_mqEwUV2DwFairfax to take Northbridge private/a font size=-1 color=#6f6f6fnobrGlobe and Mail/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://www.tradingmarkets.com/.site/news/Stock%2520News/2058427/cid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNEjoRUsFBl-bRd6IGYbJ0zHVLxwRAnobrTrading Markets (press release)/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/9-5fd=Rurl=http://www.680news.com/news/business/more.jsp%3Fcontent%3Db1201167Acid=1276516603ei=ktM0ScSoMYGi9gSy9N0nusg=AFQjCNFU0Z5jEcbQgk0UYfbWtzlYVkgySgnobr680 News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276516603hl=ennobrall 62 news articles/nobr/a/font/div/font/td/tr/table

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