49 Posts About Affordable Health Insurance for the Self-Employed

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by Health Insurance Staff on August 26, 2010

Being self employed as many perks. You are your own boss. You make your schedule and can adjust as needed. While working for yourself is great, it is hard to find affordable health insurance plans. This list will help you do just that. The articles and blogs will help point you in the right direction. Most companies can adjust your insurance plan to only charge for services you need. Find the help you need and the coverage you deserve below. You will also find help in understanding the terms that you will see in insurance coverage plans as well as what other options for group benefits are.

  1. Self Employed Insurance: Get the answers to many questions about insurance for the self employed. It is available and affordable if you know what to look for.
  2. Finding Self Employed Health Insurance: Read this frugal dad’s blog on how to find affordable insurance for those who are self employed.
  3. Different Programs Available: There are different options available for self employed people. Read here to see what you can choose to pay for and what you can leave off.
  4. Types of Insurance Available: Check out this informative article about the types of insurance available for self employed workers.
  5. Self-Employed Health Insurance: Learn what the difference is between your self-Employed benefits and those of others who work for a big company.
  6. Tips on Getting Insurance: One blogger shares tips on getting discounts for health insurance.
  7. Discount Insurance Plans: Learn if you can get a discount plan when you are a Urban Planner.
  8. It is Possible to have Affordable Insurance: One blogger shares how you can have affordable health insurance even when you are unemployed.
  9. The Facts of Starting Your Own Business: When you are looking at starting your own business you should read here. These are some facts you should consider that you when opening up your business.
  10. Free Insurance Quotes: Learn why getting insurance quotes is very important when looking for self employed health insurance.
  11. eHealth Insurance Review: A self employed blogger reviews this company for health insurance. See what he found out on their plans.
  12. Health Insurance: This is an informative blog about not over looking the savings in your health insurance. Make sure you are not paying too much by looking at these tips.
  13. Health Insurance Review: One blogger reviews the site eHealthinsurance.com. Find out if you should use this website for your self-Employed health insurance policy.
  14. One Couple’s Search: Hear about one couple who is searching for health insurance for their business and see how their search went.
  15. Tips on Finding Insurance: Follow these tips to help find affordable health insurance policies for you and your family.
  16. Guide to Finding a Quality Plan: Read this guide to help you find quality and affordable health insurance.
  17. Small Business Health Insurance Tips: If you own a small business learn tips here on how to offer insurance to your employees as well as yourself.
  18. Protecting Your Business’s Greatest Asset: You are the one who makes your business work. Learn how to protect you and your health on a budget.
  19. Lowering Your Cost: See how you can have affordable health insurance and great coverage.
  20. Insurance for the Self-Employed: Read how you can have affordable health insurance even when you are self-Employed.
  21. Keep Your Employees: Help your employees to stay on with you by offering health insurance for them.
  22. Guide to Affordable Health-insurance: Use this guide to find the policy that is right for you.
  23. Guide to Purchasing Health Insurance: Try using this guide to help you when you are ready to purchase health insurance.
  24. Tax Breaks: Learn the tax breaks for self employed workers like some of your health insurance costs.
  25. Group Health Insurance: Review the options for group health insurance for your small business.
  26. Retirements and Health Insurance Considerations: Read about one bloggers search for finding the right insurance and retirement plans.
  27. Tax Tips for Self Employed: Read about the rules for self employed health insurance tax breaks.
  28. How to Shop for Individual Healthcare: Find tips on how to shop for yourself for health insurance and getting the best deal.
  29. 9 Overlooked Tax Tips: See these often missed tax breaks for those who are self employed.
  30. Why is Affordable Insurance Out of Reach?: Read what one article says about health insurance not being as affordable as you need it to be.
  31. Tips to Get Perfect Insurance: Discover how you can get a perfect insurance policy for your situation even when you are self employed.
  32. How to Choose the Right Policy: Get help here on picking the right health insurance policy for your situation.
  33. Tips for Lowering Health Costs: Being self employed can mean expensive insurance costs. Learn how to make those lower and have great coverage too.
  34. Insurance for Self-Employed: Find out what one blogger says can help you get the insurance you need at prices you can afford.
  35. Ohio Small Business Insurance: If you are in Ohio then stop by here to see what tips you can find for your health insurance plans.
  36. Florida Health Insurance: Learn about getting insurance in Florida whether you need a small business group plan or an individual plan.
  37. Help Getting Insurance: Find out a few tips on getting your self employed health insurance plan and at a great price.
  38. Insurance Options: You do have options when choosing your self employed health insurance. Learn what you may choose here.
  39. Options for the Self Employed: There are several different options you can choose from. Being an informed consumer helps to ensure you will not be paying too much for insurance.
  40. 7 Tips for Saving on Health Cost: Learn how to be frugal in your spending this year. Find out if there are any discounts you were unaware of to make your insurance cost less.
  41. Insurance Tips: From personal insurance to small business group plans, this is the place to go for finding the best plan for you.
  42. Affordable Group Insurance: Discover the affordable group insurance plans available to small business.
  43. Learn the Language: Understand the different terms used when buying insurance.
  44. Texas Health Insurance: If you are in the great state of Texas look here to find out your options for health insurance.
  45. Buying Insurance as a Self Employed Person: Read the tips on how to make sure you get the best rates and coverage when purchasing your insurance.
  46. Help Choosing Small Business Coverage: When you want to get insurance to offer to your employees, stop by here to see what your options could be. Don’t pay too much by not doing your research.
  47. Shopping for Health Insurance: One blogger shares tip and tricks to help you get the most affordable and best insurance plan.
  48. Health Insurance Options: Find out the different options you have in insurance and 401k plans when you are self employed.
  49. Understanding Your Options: Find help here from one blogger who tries to explain the options you have when you are self employed or unemployed.

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Decoding Health Insurance Quotes

by Health Insurance Staff on August 16, 2010

Health insurance quotes can be confusing. With so many different plans to choose from, and all of them having different benefits and various coverage levels, the details can start to unravel before you can get a hold of them sometimes. We’ll help you make sense of health insurance quotes with this simple guide.

The first step to untangling the web of confusion is understanding the terminology insurance companies use when preparing health insurance quotes. Then you need to be aware of the different types of policies.

Terminology

There are insurance glossaries you can use to look up any terms you don’t understand on your health insurance quotes, but the basic terms you need to know to compare most quotes are listed here.

  • Co-insurance
    • Some insurance companies cover 100% of your bills after you’ve met your deductible. Others cover additional expenses at a lower rate, such as 80% or 70%. This is known as co-insurance.
  • Co-pay
    • When your policy covers specific doctor visits, prescription drugs, and certain procedures before your deductible is met, you will often be charged a co-pay of $5 – %15. This is called your co-pay.
  • Deductible
    • The amount you have to pay out-of-pocket each plan year before the insurance company kicks in.

Types of Healthcare Plans

Not all healthcare plans are created equal. You should be familiar with the main types of policies when comparing health insurance quotes.

  • Traditional or Indemnity Plans
    • You get the same level of benefits no matter which doctors you use. Typically these plans have high deductibles and low premiums.
  • Managed Care Organizations

Managed Care is a general term applied to health insurance plans that use networks of providers and pre-set co-pays to keep costs low. There are several different types, each with their own flavor.

    • HMOs
      • Health Maintenance Organizations typically require patients to use approved hospitals and network doctors, but require only a small co-pay for most preventative care.
    • PPOs
      • Preferred Provider Organizations offer the benefits of a network with the flexibility of a traditional plan. They cover in-network care with only a small co-pay, but may offer some coverage outside of their networks, too. Most pay a percentage of out-of-network costs, and may require a deductible.
    • POS Plans
      • Point-of-Service Plans are based on referral networks. If your doctor refers you to see a specialist, the insurance usually picks up all or most of the tab. You may be able to refer yourself and get coverage with co-insurance.

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43 Things You Should Know About Unemployment and Health Insurance

August 3, 2010
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One of the hardest things to deal with after the loss of a job is finding adequate health care insurance. Most companies give you the opportunity to use COBRA for specific amount of time after your employment ends, but it is expensive. If you have recently become unemployed, or may be in the near future, [...]

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43 Posts Written by People Who Cant Afford Health Insurance

August 2, 2010
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Health insurance is extremely expensive, and the price seems to raise yearly. Unfortunately there are many families who have no health insurance and can simply not afford it. It is not a good situation to be in and for many of these families they make too much money to get public assistance, it’s like being [...]

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Individual Health Insurance To Become More Affordable

July 30, 2010
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If you’ve been researching health insurance quotes, you know that individual policies can often be much more expensive than group plans. A new approach some health insurers are taking could soon help bring costs down for individual plans, but the changes will come with a catch. The savings could come at the expense of consumer [...]

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Health Insurance With Pre-Existing Conditions

July 28, 2010
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Have you been denied health insurance coverage because of a pre-existing condition? Were you recently offered health insurance but your pre-existing condition was excluded from that policy? Have you been without health insurance for at least six months? You may qualify for your state’s high risk pool. Affordable health insurance quotes now may be within [...]

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Health Insurance for Small Businesses

July 26, 2010
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Most of America’s uninsured are small business employees and their families, according to Kim Holland, an executive committee member of the National Association of Insurance Commissioners and Oklahoma state insurance commissioner. Finding health insurance quotes for small businesses can be frustrating, as the bigger discounts tend to go to larger group plans. Big businesses can [...]

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Many Solutions for People Without Health Insurance

July 23, 2010
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Health insurance quotes for people in the individual insurance market can often be too pricey, leaving many folks medically exposed and financially vulnerable. 47 million people are currently living without health insurance in the US, according to the National Conference of State Legislators’ website. According to Kim Holland, Oklahoma state insurance commissioner, the majority of [...]

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Health Insurance Quotes for Young Adults

July 21, 2010
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Young adults often think they don’t need health insurance because they’re typically healthy. They normally don’t have chronic illnesses such as cancer and diabetes, but despite what they may think, young adults do need health insurance coverage. There are many policies available and it’s easy to search online for health insurance quotes. There’s a big [...]

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Frustrated With Healthcare

July 19, 2010
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More and more people today are unhappy with their current healthcare plan. As certain procedures and out-of-network providers aren’t covered by PPOs and other managed care companies, consumers are feeling increasingly cramped by their healthcare options. If you are frustrated with your current health insurance plan, it’s easy to get health insurance quotes and compare [...]

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