In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing or mailings, you may be able to claim them as an employee and get the group rate.
Another option for the self-employed is the National Association for the Self-Employed (NASE). NASE offers self employed individuals the choice to deduct 100% of their medical premiums and 100% of their non insured medical expense from state, federal and self employment taxes through a program called 105 HFR.
If you're not in a business, don't despair. You may be able to enjoy the lower premiums associated with group plans by joining an organization such as trade or alumni associations.. For instance, as a writer, I might elect to join a group association targeted to help writers secure discounted health insurance. Groups such as ASJA American Society of Journalists and Authors.
Fitness instructors might elect to participate in the health insurance program offered through IDEA, an organization of health and fitness professionals. Pregnant women may join the American Pregnancy Association which offers both government funded programs and discount health programs such as MaternityCard AmeriPlan.
Because association health plans are not subject to the various state regulations that group health plans are subject to, they are able to offer cheaper insurance coverage. Keep in mind, however, that an association health plan is different from a group health plan in that the association does not have to offer the same premium for each member.
Affordable Individual Health Insurance
The issue of health is extremely important, and without proper insurance it's difficult to address this matter effectively. Unfortunately, many single people have problems getting affordable insurance in order to take care of their own medical needs as they should. But fortunately it's now possible to get affordable individual health insurance quotes for organizations like Kaiser to compare one's options and decide on a plan that will fit almost any budget.
Having proper insurance is not only necessary for treating diseases and viruses or covering major accidents and other grave issues. With a good medical insurance plan it's no problem to go to the doctor for regular checkups, have routine tests done, refill prescriptions and focus on preventative care rather than treating catastrophes as they come along. Kaiser Denver, for example, offers plans for individuals with $30 primary care visit copayments and $2,000 annual deductibles for less than $100 per month. The Kaiser Permanente Atlanta, Georgia plans for individual, on the other hand, include the Premier Plan, Plan 500, Plan 1000, Plan 2000, Plan 3000, and Plan 5000, which are named for their annual deductibles.
Individual health insurance plans are provided by various insurance companies such as Kaiser, and are conducted throughout many states and localities all over the country. The most important question for many individuals concerns affordability. Not-for-profit health insurance organizations like Kaiser put their premium rates and quotes in such a way that the average American can afford to choose a plan that is right for them. This way even an individual of modest means can still get the insurance coverage they need at an affordable monthly rate.
No one should avoid going to the doctor when they know that they need to just because they are concerned about money. By getting an affordable health insurance quote over the phone or online, individuals should be able to find a plan that will enable them to get the care they need whenever they need it.
Both Jessica Farrell & Grojan Fabiola are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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