Individuals who work for themselves have always faced the challenge of health coverage. Health insurance for the self employed singles is often put on the back burner because of the absorbent cost to maintain coverage. Just because you do not qualify for a plan through an employer contributed plan does not mean you should not be covered.

Clubs, Associations and Organizations

Many local organizations and clubs offer discounted insurance plans. It will take some time to do the research, but inquiring where you are already a member might produce surprising results.

Organizations for the self-employed like NASE, provide health benefits for its members. Members are paid cash benefits based on the nature of the illness. Emergency room and hospitalization benefits are available as well as lab tests, x-rays, dental and vision plans.

Warehouse clubs like Costco have teamed up with insurance carriers to offer health care programs as well as automobile clubs and other organizations such as freelance unions. You may also check with your local Chamber of Commerce as they may be able to provide you with insurance carriers offering discounted rates to members.

It is important to read the plans carefully as some are not health care insurance but supplementary plans to help defray the cost of high premiums. It is possible to select a health care plan with higher deductibles and cheaper monthly premiums because you have additional benefits that kick in to lower out of pocket expenses.

COBRA Insurance Options

If you are transitioning from a job to self-employment, COBRA allows individuals to extend their current coverage up to 18 months after leaving their current employment. This can be costly because there is no longer the employer contribution so you will have to pay the entire premium out of pocket. If you know ahead of time that you will need COBRA, changing your current coverage to a cheaper plan will save you money when you are responsible for the entire premium.

Insurance Agents for Health Insurance

Insurance agents can put together a list of potential insurers for health care coverage. This takes the stress of searching off of you and they do all of the leg work. Most agents put together a list of quotes based on the information you provide and you can pick and choose from the list. It is important to read the proposed policy as well as to make sure that you have a reputable agent.

Internet Resources for Health Care

We all know that you can find anything you want on the internet and health insurance is not excluded. Some websites have you input some personal information and provide you with a list of quotes from different agencies. You can also contact individual insurance companies and do the research yourself. There is a lot to learn about health coverage from short term to HMOs and PPOs to supplemental insurance. This may not be the most exciting research you have ever done, but it will help you determine which carriers suit your needs the best.

Searching health insurance for the self employed can be time consuming but your due diligence now will pay off in the end. Affordable insurance is out there if you take the time to do the research.

Learn about the benefits and advantages of having the health insurance self employed individual need today! If you are looking for the best health insurance quote you can find it easy and fast today!