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Old 18th December 2007, 08:38 AM   #1

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Default Self Employed Insurance Needs.

Any self employed people here? How do you handle your health insurance? From what Ive seen it looks very expensive to handle it on your own. Am i missing something? Can you get affordable rates and still work as a independent or self employed?
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Old 18th December 2007, 02:38 PM   #2
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Many professional and trade associations offer group policies for their members as part of their membership benefits. By joining the association, members can take advantage of somewhat more reasonable group rates.

These will still not be as good as what an employee might pay for insurance through their employer, as many employers subsidize at least a portion of their employees' premiums, but they will likely be more affordable than what you might get on your own.


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Old 18th December 2007, 06:28 PM   #3
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Being self employed myself - Fortis or World Insurance 80/20 hospital and doctors copay per visit and drug prescriptions with dental.
Affordable for me. Not too sure on the group coverage.
FYI rates - 225 monthly

as torka stated - check out your associations or groups you could get a better rate.

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Old 14th August 2008, 05:05 AM   #4

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You can search online that lets you compare dozens of health insurance plans that are available in your area with just a few keystrokes, and even gives information about the insurance companiesí financial health. If you want to deal directly with an insurance agent, do your homework. You can also lower your self-employed health insurance premiums and still get good coverage is to choose a plan with a high deductible, and combine it with a tax-free health savings account (HSA). You deposit pre-tax dollars into your health saving account, and use that money to pay medical expenses that arenít reimbursed by your health insurance.

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Old 14th August 2008, 02:14 PM   #5

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For the group policy I have for my employees there are some savings versus the individual purchasing it themselves. It amounts to getting the dental insurance for free.

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Old 22nd November 2008, 02:50 AM   #6

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Thanks for sahring i too searching for many days

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Old 4th December 2008, 09:00 AM   #7

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If you are in a group then yes it is better to go for group health insurance as it turns out cheaper per person, but is its just yourself then you can go for a few different types, being self employed you might want to go for indemnity insurance as this covers your work while you are too ill to work


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Old 30th April 2009, 05:53 AM   #8

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There are a number of ways by which you can make your health insurance economical. If you're healthy, have few prescriptions and no children, a catastrophic health insurance policy can be all the coverage that you need. The premiums to cover you just in the event of an accident or unexpected illness are among the cheapest you'll find - well under $100 a month for an individual. Shop online for the best rates you can find. In many cases, you can apply online and be insured within 24 hours. Also when you file your taxes, be sure to take your health insurance deduction. Even if you don't itemize all expenses, you can deduct up to 70% of your health insurance costs from your income when you file your taxes.

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Old 29th May 2009, 12:58 PM   #9

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Depending on your area there often times are smaller companies that offer plans at more affordable rates. Having been self employed I know what you're going through. Insurance can be very expensive if you have a small company. I would focus on high deductible plans that are more geared towards catastrophic care.

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Old 10th September 2009, 07:28 AM   #10

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Default Self Employed Insurance Needs

i will to know about insurance for self employed. just give me information in details.

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