Health Insurance - How to Find Coverage When You're Self-Employed

Finding your own health insurance when you're self-employed can be a huge challenge. Finding the right plan atthe right price can take some time. And, of course, in thatresearch time, you run the risk of serious illness orinjury. If that misfortune occurs, you will have a pre-existing condition, which will severely limit your abilityin finding coverage that's affordable, or anything at all!

Following the plan I've outlined below will help you tofind the right coverage for you and your family, in arelatively short period of time.

Start your research online, because you can get a lot ofinformation quickly. You will find hundreds of differentsites with free quotes and multiple options for your healthinsurance plan. There is a lot of competition in insurance,so the websites are set up to attract you from the start bybeing easy to use. Use any of the major search engines tofind these sites, starting by entering 'e-health insurance'or 'self-employed insurance.'

Go to several of the sites to get free quotes at thosethat offer this service. It's simple to just enter your zipcode, age, etc., and you will get quotes from 1 to 4companies in just a few minutes. Then you can compare theplans and see the advantages in coverage and price for eachplan. Your main goal is just to get information, but goahead and apply if you find a plan that is perfect for you.

Once you have finished your online research, call or go tolocal and regional insurance providers. With your onlineresearch, you will have a knowledge base to evaluate thedeals the local provider offers you. In person, the companymight offer better deals than what you found online, orthey might be similar or worse. Your online research willgive you the background you need to evaluate what you'reoffered in person.

Be sure, too, to talk with people you know; ask whatinsurance they have and whether they buy it individually orare enrolled in a group plan. Your family, friends andneighbors can tell you about the advantages anddisadvantages of working with specific companies.

You've gotten good information about plans, coverage andprices through your research, but the information oncustomer service can only come from your contacts. They cantell you about the reality of working with specificcompanies.

One cost-cutting measure to consider is to excludeprescription and dental coverage. You might want to choosea plan that excludes those, and instead put the money youwould have spent for that special insurance coverage into asavings account. You can use those funds to pay for dentalcosts and prescriptions, rather than paying the insurancefees.

Once you complete your research, you will be shocked atthe cost. Yet, you will know that you have found the bestpossible coverage for you.

Lila Norden is a career and business counselor. Lila offers valuable information to help you make decisions about your business growth and development. Visit her web site FP Employment. Additional articles by Lila are also at F-Com Finances and FLS Job

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