Self-Employed Health Insurance

Shopping for health insurance as an independent business owner or as a self-employed 1099 contractor can be a challenge. There are ways to find affordable coverage policies if you take the time to shop around.

Regardless of whether you are a small business owner or working 1099, the same evaluation criteria apply.

What is most important to you:

Deductible: this is an amount you pay during the year out of your pocket prior to having the policy coverage take over.

Co-payments: how much is your responsibility every time you receive any type of medical service.

Does it include any specific categories that you may need, such as mental health, prescription, maternity, vision, dental, chiropractic, etc.

And finally, what can you afford? The last thing anyone would want is to obtain coverage that is barely affordable and then have it cancelled due to the inability to pay!