Clearwater Self Employment Health Insurance
Finding health insurance when you are self employed can seem like a challenge. Just request a Health Insurance Quote here and let’s get started.
This category of health insurance is readily available to some, but to others, such as those that have pre-existing health conditions, it can be difficult to find an appropriate self employed health insurance plan. If you are self employed, or a sole proprietor, you may need to consider the options you have for health care coverage. Self employed health insurance is available, but it’s imperative that you have a well-informed agent who can help you choose the plan that best fits your needs and the insurance carrier that will treat you the most liberally during underwriting based on your pre-existing conditions(if any).
A Few Options You Have
Here are a few routes you can take for self employed health insurance: Purchase a policy as an individually underwritten plan available openly on the market. This is the best choice, in most situations, for those that have a good family health history. There are a variety of self employed health insurance products to choose from, with diverse benefits and coverage, so you will be able to choose the right one for you. The correct insurance plan provides an adequate amount of coverage for you and your family.
Additional avenues regarding health insurance for the self employed or for those just moving from an employer based plan is COBRA, or Consolidated Omnibus Budget Reconciliation Act. If you have been working for an employer with more than twenty employees and leave, COBRA can bridge you into the next option. You'll need to pay the health insurance premiums plus the amount that the employer was contributing. The benefit for some self employed individuals is if you haven't let your coverage lapse for over 63 days, you may be able to get into the individual market for a new health care plan without pre-existing conditions. For the self employed, this can be highly effective. Since COBRA can be very expensive, it’s best to try an individual or family health insurance plan first. You have 60 days to elect COBRA, so this gives us more than enough time to place you with a less expensive alternative.
Another option for self employed health insurance is to use the Florida health insurance risk pool. If you have certain, severe pre existing medical conditions or have been previously declined (or had an exclusion waiver) for individual health insurance, this may be your best bet.
Self employed health insurance options may seem limiting, yet, those without self employed health insurance (or no insurance at all), run the risk of losing out on proper healthcare.