There are many ways for a person to get health insurance that is affordable. Keep in mind that more people in a plan means better savings for each member.
In some states, like Florida, you can buy group insurance for just one person. Some states let a policy for two people get a group rate. If you own a business on your own and your spouse helps you with things like keeping books, filing, or sending out mail, you may be able to...
There are many ways for a person to get health insurance that is affordable. Keep in mind that more people in a plan means better savings for each member.
In some states, like Florida, you can buy group insurance for just one person. Some states let a policy for two people get a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing, or sending out mail, you may be able to claim them as an employee and get the group rate.
The National Association for the Self-Employed is another choice for people who are self-employed (NASE). Through a programme called 105 HFR, NASE gives self-employed people the option to deduct 100% of their medical premiums and 100% of their non-insured medical costs from their state, federal, and self-employment taxes.
If you're not in a business, don't despair. If you join an organisation like a trade or alumni association, you may be able to get the lower rates that come with group plans. For example, as a writer, I could choose to join a group that helps writers get cheaper health insurance. Like the American Society of Journalists and Authors (ASJA).
A group of health and fitness professionals called IDEA offers a health insurance programme that fitness instructors may choose to join. Women who are pregnant can join the American Pregnancy Association, which offers programmes paid for by the government as well as discount health programmes like MaternityCard AmeriPlan.
Association health plans are less expensive than group health plans because they don't have to follow all the state rules that group health plans do. Keep in mind, though, that an association health plan is different from a group health plan in that the association does not have to offer the same premium to each member.
