OT: Self Employed Health Insurance Costs and Coverage

[Bryan O'Neal]

If you are in the self employed for the long hall you may want to join a
small business group policy. Basically the policy managers take a chunk off
the top but present a group of several thousand to the insurance company so
they get a corporate like deal. Typically it works out to be cheaper but the
last time I looked into it they all wanted a 2 year contract.

On Tue, Aug 17, 2010 at 8:52 AM, keith smith <klsmith2020 at yahoo.com> wrote:

>
>
> Hi,
>
> I am self employed and have gone without health insurance for a while.  I
> have been very healthy, with the exception of bouts of high blood pressure
> and high cholesterol.  I was told both could be treated with diet and
> exercise.  Both in place.
>
> Here is my dilemma.  I am older so I am more high risk.  The best insurance
> I can find cost close to $500/month for my wife and I and it has a $3000
> deductible for each of us.  Basically we will be paying $6000/year for
> catastrophic insurance and will pay $3000 for each of us until the insurance
> kicks in.  If we just have some preventative care, we could end up spending
> upwards of $8000 a year without accessing the Insurance.
>
> Any suggestions from others who are self employed?
>
> Thanks!
>
> ------------------------
> Keith Smith
>
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