Any expert advice on one person health insurance for the self-employed? -

I have no idea where to start looking for health insurance for the self-employed. Any advice?? I think you already know that purchasing health insurance is an important project. You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some suggest going on line to get a quote but there is so much more to the decision than price. You need to determine how much you will participate in sharing the cost of your health care. This will determine the cost of your health insurance. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles and low copays your monthly premiums will be significant. On the other hand if you are young and healthy and rarely use the health care system you can choose a plan that covers the major health catastrophe your premiums will be relatively low. Check with the agent that writes your home, auto or business insurance he/she can provide you valuable advice that takes into account your budget and health situation. If they don't handle health insurance they could refer you to a trusted colleague. If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage. Easy Enough... Call Blue Cross for a few options. You have several choices in looking for slef employed health insurance. You could check your yellow pages under "health insurance" and contact an independent insurance agent who can give you quotes from several health insurers, including Blue Croos / Blue Shield and United HealthCare, among others. Or, you could go online and Check on Google or Yahoo, or your favorite search engine and search for the term "health insurance". Then visit a few of the top listed websites and find out what health insurance plans and rates they offer. Some of the top pages listed on Google for "health insurance" are ehealthinsurance.com, healthinsurance.com and healthinsurancefinders.com Or, you could contact friends or family members who are self employed and ask about their health insurance plan and contact their agent. Or, you could use a quality insurance quote service online that has been around for years. One leading service is InsureMe. They have offered insurance quotes from leading carriers nationwide since 1993. You fill out a form and they give you up to five free health insurance quotes from top-rated insurers, with no obligation. You can request your free quotes at http://www.insureme.com/landing.aspx?Ref... The benefit with getting your own quotes online includes - they are quick, easy and free. You can get them in the comfort of your own home. There is no sales pressure from an insurance agent. After reviewing your free quotes, you can email or call InsureMe and ask them any questions you have, or they will put you in touch with an agent in your area to help you. I hope that helps! Best of luck to you. I had united health care that i bought when i was unemployed. it was actually really affordable. I don't know... but i do know you should watch out for scams... I'll be watching this question for the same advice... you never know whats a scam or not, so be careful. I've been self employed for the last 12 years, in those twelve years, I would've needed it once, I broke my leg, $600, they take payments, $50 a month, one year, I'm all taken care of. How much is an insurance payment? You're looking at a private policy. Just start with the guy who writes your business insurance - if he can't do a policy, ask him for a referral to someone who can. Since you are self-employed, you might consider enrolling in a “qualified” High Deductible Health Plan (HDHP). This is health insurance with high deductible amounts, so it costs less than traditional health insurance. Under federal law, the minimum deductible in a HDHP plan is $1,100 for an individual. The maximum is $5,500 for an individual. The main advantage of an HDHP is that you can shelter up to $2,850 for an per year from state and federal taxes in a Health Savings Account (HSA). Depending on your tax bracket and where you live, that could save you as much as $1,499 in taxes per year, assuming a combined tax rate of 52.6%—9.3% in state income tax (California), 28% in federal income tax, and 15.3% in self-employment Federal Insurance Contributions Act (FICA) tax. The contributions you make to an HSA are yours to keep, rolling over each year. The funds are not taxed, provided you use them to pay medical expenses or withdraw them after age 65. The funds earn interest on a tax-deferred basis. Think of it as an IRA that you can use to pay out-of-pocket medical expenses. To find a qualified HDHP plan, contact a health insurance broker. A broker works with several health insurance companies and can find the best deal for you. To find a broker in your area, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Your info will be sent to a broker in your area who will contact you. There is no charge for the service and no obligation to buy. Good luck! Wal-Mart...$ 4.00 prescriptions