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Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset By: Elena Fawkner: Health Insurance for the Self-Employed - Protecting Your Business's Greatest Asset © 2002 Elena Fawkner "I've been con... of health problems. The good news for the solo entrepreneur is that an increasing number of companies are offering grou... By: Abel Quitoriano: An astounding Seventy Percent (70%) of Small Businesses in America today do not provide health Insurance coverage for... can no longer provide health insurance for their staff, these discount health care plans could just be the answer. A se... How To Choose A Health Insurance Plan By: Ron King: Are you thinking about buying health insurance? With so many different alternatives, it is difficult to know which to ... seek medical assistance. Along with this freedom usually comes higher out-of-pocket costs. For many this is a fair trad... Choosing a Health Insurance Quote: The Best Bang for your Buck By: Peter Lenkefi: Most people get a series of health insurance quotes when shopping around. Everyone requires health insurance of some s... in a fixed price option. If your doctor doesn’t refer you to certain care, then you won’t be eligible to receive paymen... Insurance For The Self Employed And Those Seeking Health Insurance By: Mike Yeager: First of all, congratulations on deciding to go out and make it on your own. The rewards and excitement of making it o... href="mailto:mjy610@hotmail.com">mjy610@hotmail.com ... Health Insurance Plans: Individual vs. Family Ron KingFor most of us, a primary consideration when choosing a health care plan is the cost. Coverage is important, but with the rapidly increasing cost of healthcare, finding the right health insurance plan for your budget is job 1. Knowing what you need in a health insurance plan, and just who and what needs to be covered by it, will help you to decide what type of policy you need. Health Care Plans For The Individual An individual health insurance plan covers only you. No surprise there. If you have no dependents, this will be the best choice from a cost standpoint. Individual plans still vary a great deal in price, depending on the type of coverage you choose. The Indemnity Plan. A traditional health insurance plan that covers visits to any doctor you wish to see, and will cover any procedure the doctor prescribes for you. You'll notice variations between plans as to the size of the deductible and the limit on out-of-pocket expenses. Overall, this is the more expensive type of individual health insurance plan, but it offers the most freedom of choice. The Managed Plan. Individual managed plans, like HMO's, are more cost-effective, but you give up some of the freedom of the indemnity plan. You will be able to see only the doctors on your approved list, and any specialists you see must be by referral. If your health care amounts primarily to yearly check-ups and the occasional prescription for antibiotics, this is a plan that could work for you. It will cover health emergencies, there are just more hoops you have to jump through. Both of these health insurance plans sometimes include prescription and dental coverage at an additional cost. Family Health Insurance Plans Since family health insurance plans cover more than 1 person, the cost will naturally be higher. The bigger the family, the bigger the price tag. Also, the age, gender, and health choices (like smoking) of each family member will play a big part in how much this type of policy will cost. There are indemnity plans for families and they offer the same freedoms as the individual plans. This can be a real bonus when dealing with multiple people on 1 policy. Family health insurance plans also come in the managed health care package and work pretty much the same way as the individual ones. The cost will be higher than the individual managed plan, but not as high as the family indemnity plan. Group Insurance Plans Many companies now offer their employees group insurance coverage, footing the bill for most or some of the premium. Since many of these companies offer both types of health insurance coverage, how much you end up paying out-of-pocket will depend on which type of policy you choose. About the Author: Ron King is a full-time researcher, writer, and web developer. Visit http://www.healthinsuring.com to learn more about this subject. Copyright 2005 Ron King.
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