Affordable Individual Health Insurance - Ratinah

Individual Health Insurance - There are many options for an individual to get affordable health insurance coverage. Keep in mind that there are savings in numbers; the more people in a plan, the better the savings for each member.

Affordable Individual Health Insurance - Ratinah

Affordable Individual Health Insurance - Ratinah

In some states, such as Florida, you can purchase a group policy for a single group. Some states allow a two-person policy to qualify for a group rate. If you're a sole proprietor and your spouse helps you with things like bookkeeping, filing, or mailing, you may be able to claim them as employees and get group rates.

Another option for the self-employed is the National Association for the Self-Employed (NASE). NASE offers self-employed individuals the option of deducting 100% of their medical premiums and 100% of uninsured medical expenses from state, federal and self-employment taxes through a program called 105 HFR.

If you're not in the business, don't despair. You may be able to enjoy lower premiums associated with group packages by joining an organization such as a trade association or alumni. For example, as a writer, I might choose to join a targeted group association to help writers get health insurance discounts. Groups such as the ASJA American Society of Journalists and Authors.

Fitness instructors can choose to participate in health insurance programs offered through IDEA, an organization of health and wellness professionals. Pregnant women can join the American Pregnancy Association which offers government-funded programs and discounted health programs such as the AmeriPlan MaternityCard.

Because associate health plans are not subject to the various state regulations that group health plans are subject to, they can offer less expensive insurance coverage. However, keep in mind that an association health plan differs from a group health plan in that the association does not have to offer the same premium to every member.

That's Affordable Individual Health Insurance - Ratinah


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