By Jessica Farrell
There are many options for an individual to obtain affordable
health insurance coverage. Keep in mind that there are savings
in numbers; the more people in a plan, the better the savings
for each member.
In some states, like Florida you may purchase group policies
for a group of one. Some states allow a two-person policy to
qualify for a group rate. If you are a sole proprietor and
spouse helps you with things like bookkeeping, filing or
mailings, you may be able to claim them as an employee and get
the group rate.
Another option for the self-employed is the National
Association for the Self-Employed (NASE). NASE offers self
employed individuals the choice to deduct 100% of their
premiums and 100% of their non insured medical expense from
state, federal and self employment taxes through a program
called 105 HFR.
If youíre not in a business, donít despair. You may be able to
enjoy the lower premiums associated with group plans by
an organization such as trade or alumni associations.. For
instance, as a writer, I might elect to join a group
association targeted to help writers secure discounted health
insurance. Groups such as ASJA American Society of Journalists
Fitness instructors might elect to participate in the health
insurance program offered through IDEA, an organization of
health and fitness professionals. Pregnant women may join the
American Pregnancy Association which offers both government
funded programs and discount health programs such as
Because association health plans are not subject to the
state regulations that group health plans are subject to, they
are able to offer cheaper insurance coverage. Keep in mind,
however, that an association health plan is different from a
group health plan in that the association does not have to
offer the same premium for each member.
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