Business Plan Health Insurance
I am small business owener and I need a health insurance just for myself. Is there any good plan for that?
I think the best way is to do some research on your own and then get in touch with local health insurance agents or brokers. I say more than one because talking with more agents will give you more ideas, see more health plan products, and – most importantly – get several different insurance agents competing two earn your business. Many people don’t realize it, but insurance plans aren’t any cheaper online than they are through an agent.
The National Associated for the Self-Employed (see link below) has some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small businesses and the self-employed.. The downside is that purchasing pools are relatively new and it’s unclear how much savings they really offer.
Depending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them. Some states have looser restrictions on health insurance through trade associations, meaning that you would pay less for insurance and get more coverage options. I’ve included a link below to state insurance departments – it might be a good idea to contact them or your local chamber of commerce to see if they have any ideas. I’ve also included a link to an online guide to small business health insurance. It’s simple but it might give you some ideas.
Oh, one last link (below). It’s to a recent Consumer Reports article about association health insurance scams.
After you’ve done some researching, try visiting MostChoice.com. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company. And be up front; let them know you’ve done the research. Just write down what you and your family want in a health plan and present it to the insurance agents. Let them do the heavy lifting.
You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Congratulations on your small business!
Barnes@MostChoice
Weekly Address: Health Insurance Reform, Small Business and Your Questions
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