Health insurance for self employment question

Originally Posted by dillio

I have been self employed for over 5 years. I have used 2 different plans.

#1 NASE National Association for Self Employed

#2 Blue Cross Blue Shield

The BCBS is far superior in all aspects. I will admit I am probably younger than you, 32, but I just got mother in law on the same program. They offered me better benefits at the same price, while having a larger network.

One piece of advice I can give you for sure is to sit down with someone who is in the business full time and is preferably a broker, not locked into one company. Don't waste your time with someone who does it part time or just got into the business. Typically the same person can offer you a wide array of insurance products i.e. life, auto, disability. You may be able to move other insurance that you currently have with them and get a discount.

Also I highly suggest that you just don't ever get sick!

Hope this helps.

I agree, How ever dont be scared to go with someone who just got into the business. I just got into the business and know the system quite well and have written a few policies. You go through about a 2 month training program befor BCBS will let you write for them, provided to pass thier test. Same with many other companies. Just putting it out there. A broker/agent that represents many companies will be helpful.

This Site is very helpful in giving you your options as well and may save you some fees.

http://www.ehealthinsurance.com/

Brad