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Health Insurance for the Self Employed

Working at home brings with it the challenges of finding health care.   Webmomz has compiled a list of resources to assist you in your search.

Health Insurance Resources - Americas Health Insurance Plans - The national association representing nearly 1,300 member companies providing health insurance coverage to more than 200 million Americans.

Cobra - If you find yourself recently unemployed, the law states insurers must allow you to purchase your existing health care plan for 18 months. Keep in mind the premiums will be substantially higher than those paid through your employer. - Commonwealth Fund offers a quarterly States in Action newsletter that details the most recent state health insurance changes and initiatives. - Health insurance resource center.

Hipaa - Health Insurance Portability and Accountability Act.

High Risk Pools - Many states (about two thirds) have money reserved for people, because of pre-existing conditions, who have been excluded from coverage or are charged such high premiums they can't afford them. Check with your state office to see if this is available. - Kaiser Family Foundation - A non-profit, private operating foundation focusing on the major health care issues facing the U.S., with a growing role in global health.

Medicaid - Federal and state funded health insurance for people with low incomes. - National Association of the Self Employed is a member based organization offering a health insurance program. - National Association of Insurance Commissioners - Find your state's insurance office for the high risk insurance pool program. - Visit your governor's website for information on whether he/she is prioritizing reforming health care. - The National Federation of Independent Business is the leading advocacy organization representing small and independent businesses. - The National Small Business Association is a volunteer-led association. Our primary mission is to advocate state and federal policies that are beneficial to small business, the state, and the nation?and promote the growth of free enterprise.

Interesting Fact:

The Affordable Care Act allows children to remain on their parents’ health insurance plans until age 26. This policy took effect for insurance plan renewals beginning on September 23, 2010, and was designed to address the fact that young adults are the age group least likely to have health insurance. This is one of the important early provisions in the Affordable Care Act designed to expand insurance coverage to uninsured Americans.
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