Cheap Health Insurance - Health Insurance for The Self Employed

If you're self employed, you may think of health insurance as a luxury. When you're barely making ends meet, paying several hundred dollars a month for something you may not need isn't a priority. Or maybe you can't find a health insurance company to insure you because of a pre-existing condition. If you have no health insurance, you're banking on the hope that you won't get sick. But if you do, your business suffers.

If you can't get individual health insurance, or if the premiums are out of reach for an individual policy, there are a number of ways to get cheap and discount health insurance and health care.

Look Into State Subsidized Programs

Many states offer discount premiums for low income families and self employed business owners. Others have set up 'risk pools' that make your health care costs cheaper by spreading the risk throughout a 'pool' of people much like employers do with group plans.

Check with your state Health and Human Services office to see what health insurance discounts may be available to you based on your income. In most states, the income eligibility standards are quite high, especially in states that offer assistance for premiums with private health plans. You can get a substantial discount on family plans by joining a state health insurance plan.

Join a Discount Health Care Plan

Many organizations have worked out special discount rates with health insurance companies for their members. You may find discounts on health care and health insurance through your Chamber of Commerce, Small Businessmen's Association, even AAA auto clubs or fraternal organizations.

Another option is a discount medical club. For a monthly fee - usually about $30, you're eligible for discounts of up to 25% off regular costs for office visits, medical supplies and prescriptions as long as you use participating member vendors. Check online to find a discount medical club that has members near you.

Itemize Your Taxes

As of 2003, if you itemize your taxes, you can deduct 100% of your health insurance cost for the year from your taxes. There are limits and restrictions, so consult your accountant, or check the Internal Revenue Service web site online at www.irs.gov.

Shop Around for the Cheapest Rates

You can insure yourself through an individual fee-for-service health insurance plan for less than $100 a month if you shop around online for the best rates. In many cases, you can get online quotes for as many as 10 different health insurance companies and choose the one that suits you best. You can even apply online and be covered within 24 hours.

Unexpected medical costs can destroy your business. Some creative financing and unusual options for dealing with them can prevent that from happening.

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: Recommended Health Insurance Companies Online.

Carrie Reeder is the owner of eZerk, an informational website with articles and the latest news about various topics.

---

Private Health Insurance: A Sense of Dissatisfaction

The three C's, customization, consumerization and customer-satisfaction, seem to be... Read More

Taking The Mystery Out Of Long-Term Care Insurance

Here's the good news: with improvements in medical technology and... Read More

Health Savings Accounts

Most people with health insurance, especially employer paid health insurance,... Read More

Motor Vehicle Accident Insurance Claim Guide

This is a FREE Insurance Claim GuideYour "Motor Vehicle" can... Read More

Insurance Glossary of Terms

Assured - Those insured under the terms of an insurance... Read More

A Few Things Everyone Should Know About Disability

Did you know? One year of disability can wipe out... Read More

How Do I Calculate How Much Life Insurance I Need?

Life insurance protects you and your family from economic hardship... Read More

Useful Tips on Reducing Insurance Costs

Most people want lower insurance costs but are often too... Read More

Life Insurance, the Universe, and Everything

You may have noticed that life insurance is coming back... Read More

How To Save Money On Your Homeowners Insurance?

In order to save money on your homeowners insurance you... Read More

Finding Fast Life Insurance

Since the widespread growth of internet usage and database building... Read More

Filing Auto Insurance Claims: The Basic Steps to Take

An automobile accident can be a terrifying event for anyone,... Read More

Sleep-At-Night Coverage With A Private Health Insurance ( Affordable Health Insurance )

Health Insurance: a sense of dissatisfactionThe three C's, customization, consumerization... Read More

Why Should You Shop Around for Auto Insurance?

How do you know if what you are paying for... Read More

Life Settlement Overview

A "Life Settlement" is a lump sum settlement paid to... Read More

Why Boat Insurance Is A Necessity

Boat insurance is necessary for all boat owners who live... Read More

How Can I Compare Life Insurance Quotes?

The online life insurance companies offer a free service where... Read More

Medical Insurance Overseas

Thousands of people have work related commitments and in order... Read More

Your Cars After-impact Diminished Value

The(ACV)Actual Cash Value Policy DOES NOT insure the property itself... Read More

Accident Factoids

Accidents, personal injuries and insurance claims are here to stay.... Read More

Discover the Fortune Hiding in Your Insurance Premiums!

Ever thought about how to save money? Sure you have,... Read More

Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices

As you probably know all to well, the cost of... Read More

Insurance Claim Handling Online - TPA Adjuster System

Claims management and administration software systems enable insurance claims adjusters,... Read More

Saving on Auto Insurance: The Road to Reduction

The road to saving on auto insurance is something that... Read More

Handling Your Motor Vehicle Accident With Your Own Insurance Company

This "How To" article is crucial, up-to-date information concerning what... Read More

MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?

The Medical Savings Account (MSA) is an older form of... Read More

Choosing Affordable Health Insurance For Children

In most cases, private health insurance comes through a person's... Read More

Cheap Auto Insurance Quotes ? Tips For Getting The Lowest Rate

Finding auto insurance quotes online is easy, but finding the... Read More

Life Insurance Benefits

Life Insurance is a legal contract between you and a... Read More

Term Life Insurance Quotes for Singles

Term life insurance quotes are rarely a concern of single... Read More

General Knowledge - Critical Illness Insurance

Critical illness can happen to anyone, and often does. If... Read More

Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.

Global warming may have been lurking on our horizon for... Read More

Consequences of Late Insurance Payments

Did you realize that it could cost you more than... Read More