Self-employed health insurance options

Self-employed health insurance options

Self-employed individuals generally purchase individual and family health insurance coverage. When deciding upon the best health insurance, you should first make a list of your priorities when it comes to what you want in a health care policy, and then do your homework to decide which self employed health care insurance options are right for you.

You should consider the following when you’re trying to determine which plan best suits your situation:

  • Health benefits — which plans have the benefits that you’ve deemed to be must-have’s and that you can afford?
  • Costs — which options fit within your budget with regards to premiums, deductibles, co-payments, etc?
  • Physician network – do your current doctors accept these plans?
  • Prescription drug coverage — drug coverage can vary widely from one plan to another
  • Brand — is there a particular insurer that you prefer?

Some states allow individuals with business licenses to purchase small corporation or small business/group plans even though they have no employees. This type of plan may be a more affordable option when compared to the cost of an individual or family plan.

Building your business in Los Angeles

Self-employed individuals are in business for themselves. Many work from home and usually operate as both employer and employee. If you’re self-employed, you have to make some very important financial decisions to ensure the success of your business.

If you don’t have adequate health care insurance coverage or if you have no coverage at all, a single accident or sudden illness can result in a tremendous loss, financially speaking. This can, in turn, have a devastating impact on the future of your business. Health insurance for self-employed people provides you, your spouse, and dependent children access to medical care at prices that you can afford.

Before you are able to compare individual and family insurance health care options, you need to know about all of the options so that you can not only save money, but make the most of your health care dollars. An independent insurance broker can save you time and get you a good selection of quotes from some of the top insurers in your area.

If you have a Los Angeles business, Daniel Fraisse Insurance should be at the top of your list. Daniel Fraisse has been an independent broker for more than 30 years and has formed relationships with many insurance companies. He is very knowledgeable when it comes to the different health care insurance options for self-employed individuals.

Preparing for growth

Growing your business revolves around making sound financial decisions. Purchasing health insurance for the self-employed is one those. However, there are a lot of factors that are involved when it comes to choosing self-employed health insurance.

Dan Fraisse, the best Los Angeles insurance agent, does all of the research so that you’ll be able to make comparisons between plan rates and benefits and then choose the option that best fits your needs as well as your budget.

Call our office today to schedule an appointment.