Self Employed Health Insurance

People look for self employed health insurance coverage as they start their own businesses or become hired as independent contractors or freelancers. This allows individuals to find customized health insurance plans that fit their health care needs and fits their budget.

Self employed health insurance is easy to find and can be purchased as individual or family health insurance plans.

Let’s take a look at your self employed health insurance options.

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Self Employed Health Insurance Options

Many people are unsure where to start when they make the decision to become self employed and some feel more confused when they start looking for a self employed health insurance plan.

Some people look to COBRA coverage provided by their former employer. COBRA coverage can be beneficial for individuals that have medical conditions or have family members with medical conditions, but COBRA is expensive and it is only a temporary solution.

Purchasing an individual health insurance or family health insurance policy is a long-term and affordable solution. These plans can be customized to fit the needs and budget for those that are searching for a self employed health insurance plan.

Self Employed Health Insurance: Individual or Family Coverage?

Deciding between individual or family coverage can be a tough decision when looking for self employed health insurance. Some families may purchase individual plans for every person in a family. Family members that have health conditions raise premiums for the rest of the family, even though the rest of the family may be healthy.

Many self employed may decide to just purchase family coverage or add all of their family members to their individual policy. This is great for families that have similar health care needs.

It is important to talk to a licensed agent who can help you find the most affordable self employed health insurance option for you. What works for some individuals and families may not work for everyone.

Health Insurance Plans

There are plenty of self employed health insurance choices. Here are the most common types:

  • Health Maintenance Organization (HMO). HMOs offer comprehensive coverage and are typically the most affordable plans available. These plans create a network of health care providers and require consumers to choose a Primary Care Physician (PCP).
  • Preferred Provider Organization (PPO). A PPO is a great and flexible plan that allows consumers to visit any health care provider and still have coverage. Consumers can see in-network and out-of-network providers without referrals.
  • Point of Service Plans (POS). The POS plan provides benefits of HMO and PPO plans. With a POS plan, consumers choose a Primary Care Physician within their plan’s network. But like the PPO, consumers have coverage when they visit any health care provider — inside or outside of the network.
  • Health Savings Account (HSA) Plans. Health Savings Account plans includes a high-deductible and a HSA. High deductible plans provide catastrophic coverage with low monthly premiums. The HSA is a medical savings account where consumers save money tax-free for health care services. Self employed can directly deposit money into their HSAs tax-free and save for future medical costs.

Finding the Right Health Insurance Plan

Now that you’ve learned about self employed health insurance policies and benefits of these policies — we can help you find coverage.

Our online services at will provide you with free quotes for a self employed health insurance plan which are provided by top insurance companies in your area. Just fill out our secure form that is 100% risk-free with no obligation to buy anything.

Connect with a licensed insurance agent to get the expert advice and self employed health insurance quotes you have been searching for.