subject: Health Insurance For The Self Employed In Texas - Understanding The Options [print this page] A self-employed individual may find it difficult to choose the right health insurance policy to fit their needs. Many people at work themselves assume that the best rate they can get for health insurance will be through the employer of their spouse or domestic partner. While this may sometimes be the case there are definite drawbacks associated with purchasing health insurance in this way. Many self-employed individuals make the mistake of purchasing the incorrect type of health insurance under a contract. This is a common mistake which can have costly side effects. The most important thing that any person can do is thoroughly research the costs and coverage provided by any insurance policy.
In many instances, a self-employed individual that purchasing insurance through their spouse or domestic partners employer will find that the health insurance premium being charged to them is more than it otherwise should be. Many employers offer free or reduced rates for health insurance for their employees, but this does not translate into increased savings for the employees and dependents or spouse. Some employee offer insurance programs are available regardless of pre-existing conditions and others have strict eligibility requirements. All of this should be taken into account before purchasing health insurance from a spouse's employer.
Another alternative is to purchase health insurance by forming a small group. Just about every insurance company offers discounts for groups and even very small companies can take advantage of this. A self-employed individual with just two employees can qualify for group insurance in every state including Texas. Group insurance has the added benefit of allowing an individual to qualify for insurance coverage regardless of pre-existing medical condition. Of course, this type of leniency regarding pre-existing conditions means that the insurance company will charge a higher premium to everyone in the group.
Health insurance for self-employed individuals in Texas is a necessity. The entire United States economy rests on the shoulders of small business men and women. Purchasing a comprehensive health insurance policy does not have to destroy a family's budget and should not require an individual to jump through unnecessary hoops. The most important thing that any person can do before purchasing an insurance policy is to research the coverage as well as getting quotes from several providers so that the person can compare prices and choose the policy that best fits their budget and their healthcare needs.
Providing health insurance for the self employed in Texas makes up a large percentage of our client base so feel free confident in allowing us to answer any questions you may have, we have been experts in this market since 1993. You can also get online and run quotes from several different companies, determine what fits into the family budget and contact us to discuss you options, either way the ultimate goal is to not only save money but also provide your family with quality coverage you can count on in the even of a medical emergency.
by: Charles Peeler
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