health insurance for self-employed

Status
Not open for further replies.
Jan

Jan

Resident GILF
Aug 6, 2006
1,147
22
0
65
Arizona, USA
www.jansideas.com
Anyone who is self-employed.......what are you doing for health insurance?
I have mine w/my wage earning job, but want to plan ahead when I will not be dependent on wage earning and the tempting benefits that go with the job.
 


Jan said:
Anyone who is self-employed.......what are you doing for health insurance?
I have mine w/my wage earning job, but want to plan ahead when I will not be dependent on wage earning and the tempting benefits that go with the job.
Click to expand...

I still get mine through my FT, but I got my wife's insurance through Blue Cross. It was better insurance/copays/deductibles/etc and cheaper than it would have been to add her to my insurance at work. It's been very nice, and she's found out that it is more convenient than her old insurance because every doctor she has called accepts her plan. I would recommend checking it out.


... should have had an aff link ready :-p
 
I joined National Association for Self Employed, who does it through Mega Health (which you can approach directly as well). It is good for covering possible "big stuff", but not so great as what you may be used to with as a big corporate group policy.
 
Get an Health savings plan and combine it with a high deductible catastrophic event plan. Lots of places offer it, including united health care.

Also if you gave preexisting conditions you may want to either do what chris said or partner with a few like minded folk and get group coverage via a shell Corp (for group you need 2 or more employees).
 
I don't have any health insurance, but the past six days has made me wish I did. I have the flu and haven't been able to work since last Sunday. In fact, making this post is the first thing I've accomplished in a while.

Then again, I didn't need insurance. It's not like they can do much for you when you have the flu. They just tell you to rest a lot and drink plenty of liquids.

I'm 28 and haven't had insurance since I moved out of my parents house at 17.
 
Second on the high deductible for a catastrophic event. I have something similar, just in case I catch myself on fire or something (which isn't that far out of the realm of possibilities, believe me). You can generally tough it out or go to a doc-in-the-box for small things.

Of course, since you're not paying into a more expensive policy a good rule would be to place the money you're saving into a high-yield savings. You know, with all the other money the internets has graced you with. : P
 
Form a corporation, issue 2 paychecks a month one to yourself and one to
your assistant and your golden then you can get health coverage by calling any agent that sells health plans.... Having the corp and 2 employees
on paper was the key for us to get a inhouse plan.....
 
I go through Mid West Life Insurance Co of Tennessee (google them, I'm in Los Angeles so I'm sure they'll have a rep in AZ)...

I pay $150 a month for myself (male, 30 years old) for a "hybrid" plan whereby you only have a deductible when you get admitted to the hospital (basically anytime you have to stay overnight) and the rest of the time for regular visits and check ups, it's just a co-pay. You also don't have to pay when you go to the hospital... Mid West gets billed and then you get a bill in the mail that's net 30 and that's really helped me out on several occasions.

Anyhow, they have a lot of flexible plans, you should check them out...
 
I set aside a day this week for health insurance research and phone calls. I need to finally do something about health insurance, since I haven't had any for over 2 years now. So, if I find out anything good, I'll be sure to post it here to help everyone out. This stuff can be such a pain in the ass.
 
I haven't been insured for almost 2 years now, gladly nothing has gone wrong. I'm only 21 and refuse to go to the doctor pretty much no matter how sick I am, I was the same way when I was on my parents insurance.

My car is insured through e-surance, I'm not sure if you can run a search if you aren't already insured by e-surance, but look into that. I looked at health insurance through them a couple months ago and they had lots of plans that seemed like they were a pretty good deal. I'm pretty sure you can write that off your income taxes too.
 
I used to use NASE but got tired of the crap coverage. It's affordable, and membership in the NASE is useful in and of itself, but I got better coverage out of BC/BS for <$300 a month for myself, my wife and our kids. Deductible is high by choice, very little excluded.


Frank
 
I'm on the "can't afford to get sick" plan. I have the choice of being homeless or affording health insurance. Maybe we should all vote for Hillary.
 
Status
Not open for further replies.
Top Bottom