Small business owners and the self employed sometimes have a hard time finding health insurance. If they do find it they find it is too expensive and just are not able to afford. So they either opt out of offering their employees insurance or they go uninsured themselves.
Perhaps you are the guy that works from the comfort of home. How about the contractor that travels around. And the women that has 5 employees to help run a growing business.
Either way the need for health insurance is the same. And all of you would be taking a huge financial risk to go without. If you become ill can you afford to pay the bills in full. Probably not expecially since you may have to take time off work.
All it takes is a little internet savvy. Surf the web for all the information you need. You can get quotes from many carriers. You can look at all the differnt plans and discover which kind fits your need. you can also learn a bit of the lingo.
There are so many choices with all the carriers out there. They are all competing to win your business. So there are hidden jewel plans with all of them. Maybe it is the low cost no frills plan that caught your eye. Or perhaps the ultimate paln with all the benefits.
Some carriers offer small group health insurance. These plan rates are based on the entire group so if there are health conditions in the group rates can skyrocket. But for a healthy group of 2-50 employees and could be a wise affordable option.
If small group is out of the budget you could ask carriers if they will do a list bill. What this can do for you is to offer to pay a portion of the employees cost. The employee chooses their plan based on their budget. the carrier send one bill and you deduct from payroll accordingly.
Once you start the search if you get confused by all the insurance mambo jumbo seek a broker to help you answer questions and sort through the options. A broker can shop carriers for you and gather rates. They can talk you through the difficult stuff and assist you even after you purchase.
Perhaps you are the guy that works from the comfort of home. How about the contractor that travels around. And the women that has 5 employees to help run a growing business.
Either way the need for health insurance is the same. And all of you would be taking a huge financial risk to go without. If you become ill can you afford to pay the bills in full. Probably not expecially since you may have to take time off work.
All it takes is a little internet savvy. Surf the web for all the information you need. You can get quotes from many carriers. You can look at all the differnt plans and discover which kind fits your need. you can also learn a bit of the lingo.
There are so many choices with all the carriers out there. They are all competing to win your business. So there are hidden jewel plans with all of them. Maybe it is the low cost no frills plan that caught your eye. Or perhaps the ultimate paln with all the benefits.
Some carriers offer small group health insurance. These plan rates are based on the entire group so if there are health conditions in the group rates can skyrocket. But for a healthy group of 2-50 employees and could be a wise affordable option.
If small group is out of the budget you could ask carriers if they will do a list bill. What this can do for you is to offer to pay a portion of the employees cost. The employee chooses their plan based on their budget. the carrier send one bill and you deduct from payroll accordingly.
Once you start the search if you get confused by all the insurance mambo jumbo seek a broker to help you answer questions and sort through the options. A broker can shop carriers for you and gather rates. They can talk you through the difficult stuff and assist you even after you purchase.
About the Author:
Look to the help of a knowlegable health insurance agent in Jeff Cline. he can help you in finding affordable individual health insurance. He is dedicated to assisting you. He can also help with student health plans. Give him a call any time day or night. 365 days a year. His toll free number is 866-526-9669
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