Self-Employed Health Insurance Providers
Though being self-employed can be an enjoyable and quite liberating thing, it can also be a bit stressful, especially when it comes to insurance. When a company employs you, you have options presented to you. Most of these are cheaper than what you would pay on your own because they come from a group plan. However, when you employ yourself, you have to find your own insurance and most individual plans will be more expensive. This makes it very important to shop around for the best price. Here are some great options to help you find a plan that fits your needs and your budget.
eHealth Insurance is a useful service that can help the self-employed find the right insurance. The website has over 10,000 plans in its database to choose from. To decrease the overwhelming amount of choices, eHealth offers online tools and agents to help you determine which particular plans fit your specific needs. The service is free to use and will help make insurance buying much less confusing and much less intimidating than it normally is. Even after purchasing a plan, eHealth will help you in getting questions answered from the insurance company. There is also a variety of educational blog posts available to you that can keep you up to date on any changes in the insurance world as well as help you understand confusing terms and other things.
Affordable Health Insurance Plans is a similar service to eHealth Insurance. When you visit the website, you will be prompted to follow a three-step process: 1. Enter your zip code, so they can find plans available to your location; 2. Complete the quote form; 3. Wait for an agent to contact you. When you are contacted, you will be presented with insurance options that include private health insurance and may include government health insurance. You can go into more depth with the agent about your specific needs so that they can narrow down your choices even farther. You also have the option of calling in for a quote if you do not wish to wait.
EZ.Insure is another trusted service that can help the self-employed find a good, on-budget health insurance plan. They are connected with some of the top insurance providers, including Cigna and Aetna. You start your search with them by putting in your zip code, so they can show you plans available in your area. They then will give you free quotes and plan details to help you choose the right one. You then search through the plans available to you by considering whether you would rather pay a higher premium or deductible, and which of these plans fits your budget. If you have any questions, EZ Insure will assist you in finding the necessary information.
There are tons of insurance companies out there that can easily overwhelm a person searching for insurance. It is also time-consuming, and time is generally not something the self-employed have to spare since they are running a business. Going through an insurance intermediary, like the ones mentioned above, can save you a lot of time and a major headache. Take advantage of the free services these companies provide.