More than 40 million Americans do not have health insurance, according to "Business Week."Many of the people who don't have health insurance are entrepreneurs. Fortunately, those who start their own companies do not have to forgo health insurance. There are options available for people to buy health insurance just as they would home or auto insurance.
- Individuals who work for a company, yet want to be self-employed can take advantage of COBRA insurance. This allows a person to continue their group health plan coverage after they leave their job. However, the person must pay for the coverage at his own expense.
- A person can take advantage of trade associations or small business associations that offer insurance to those in their particular business field. This often gives people an affordable health care option that they otherwise might not have had.
- Pre-existing conditions pose a problem for the self-employed. Most health insurance companies will deny coverage to those with medical conditions. In this case, applying for a guaranteed-issue plan offers one solution.
- The National Association for the Self Employed is an organization that provides health insurance to those who run their own business. However, membership fees are required to be a member in this particular association.
- Some self-employed people find a proper health care plan after conducting a lot of research, but many individuals are paying more than what they should. Comparison-shopping is essential if a self-employed individual wants to find health insurance at a fair price.
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