Self-employed entrepreneurs worry so much about finding affordable health insurance plan rates for themselves and their family members, this is a growing problem.
With so many decisions to make and health insurance companies to research. One of the best ways is to call and ask for a brochure or booklet so you can quietly go through what they have to offer. You can also go through the internet if you have the time that is and research each of the available companies for a variety of issues as explained through the following.
1. Annual premium coverage for small business with a few employees
2. The cost of a policy with a high deductible
3. The cost of a policy with a low deductible
4. The cost of drug coverage benefits
5. Hospitalization and a variety of dental benefits
6. The waiting period for pre-conditions
7. Co-payment options per office visit
Most small business health insurance policies are so expensive that many must give up and refuse the coverage. However, through the group insurance for an individual is again privilege to the opportunity to buy into a group plan that is much more affordable. The average individual in their twenties, thirties, and even forties will be able to access an individual health insurance policy at an affordable rate.
What is negotiable is whether the deductible is going to be low or high. Something else to consider is disability insurance for small business owners because like unemployment benefits, disability benefits are not an automatic for the small business entrepreneur. Individual disability insurance will cover many options.
Again though, like health care policies the monthly premiums for disability also vary depending upon what you are trying to purchase. There is much to consider and it will take some time to gather all the information. Most of what a disability insurance policy will do for the individual are the following.
1. Coverage for most if not all daily expenses incurred
2. Coverage for most if not all routine monthly bills
3. Coverage for most if not all of your auto payments and insurance premiums
4. Coverage for most if not all of your weekly groceries and transportation