Health Insurance For The Self-Employed Professional

A perk to working for someone else is the benefits — but then again, you’re working for someone else. If you’re self-employed, you’re your own boss… but now you have to worry about finding your own health insurance.  

And with healthcare costs rising, it may seem like there’s no way you can find reasonably-priced coverage. But there are affordable ways to get quality coverage.

What Kind Of Coverage Do I Need?

Look for an individual health plan that fits your personal healthcare needs. There are some affordable plans that offer comprehensive coverage at a manageable price. And new plans are always coming on the market.

Everyone has different needs, so look at all of the options — and see which plan is best for you.

The Different Health Plans

Today, the most affordable forms of health insurance are managed care plans. These are the most common types:

• Preferred Provider Organizations (PPOs). PPO plans offer flexible and affordable coverage for your individual needs. They organize a “network” of different healthcare providers, doctors, and hospitals. This network offers care at a discount, and that means you enjoy lower premiums, co-payments, and deductibles.
• Health Maintenance Organizations (HMOs). HMO plans are the most affordable health plans you can find. They work similar to PPO plans, but with an HMO, you have to get care within the plan network.

And look into Health Savings Accounts. They aren’t health insurance plans — they’re investments to help pay for your healthcare. The money you deposit into an HSA is tax-deductible, and withdrawals for most medical costs are tax-free. And as time goes on, the money in your HSA will earn interest.

Sort out your options with one of our professional agents. We can give you expert advice to help you find the best and most affordable healthcare options. When you're ready to request your free quotes, you can compare plans online in just minutes.