Sunday, February 13, 2011

Any expert advice on one person health insurance for the self-employed?

I have no idea where to start looking for health insurance for the self-employed. Any advice??
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I think you already know that purchasing health insurance is an important project. You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some suggest going on line to get a quote but there is so much more to the decision than price. You need to determine how much you will participate in sharing the cost of your health care. This will determine the cost of your health insurance. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles and low copays your monthly premiums will be significant. On the other hand if you are young and healthy and rarely use the health care system you can choose a plan that covers the major health catastrophe your premiums will be relatively low. Check with the agent that writes your home, auto or business insurance he/she can provide you valuable advice that takes into account your budget and health situation. If they don't handle health insurance they could refer you to a trusted colleague. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.
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