Health Insurance for the self-employed?

Hell Puppy · 06-09-2004

Yeah, at your age, just go to Blue Cross or some other big company and be done with it. Unless you have some pre-existing condition, it's not gonna be much.

You just need to decide how much coverage you want and how much you're willing to pay for it.

For the self employed, healthy person who doesn't go to the doctor very often and doesn't wanna spend big bucks on insurance, get a catastrophic coverage plan. Something with a $2000 or so deductible will be very cheap. If you get sick, you pay out of pocket, but if you get hit by a bus or need a new kidney or something you're only out the first $2K.

If on the other hand you do go to the doctor, want your prescriptions covered, and want coverage when you go to specialists, like the dermatologist to get your zits popped.... Be prepared to shell out a bit more to get a good PPOS with a drug card.

It gets easier with more employees so you can have a "group" plan instead of a self employed plan....but in your case, again, you're the perfect demographic. Insurance companies like young single males because they hate to go to the doctor and they do not get knocked up.

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06-09-2004	#1
Hell Puppy Fat Fucking Nobody Want to see your own Advertising Here! Join Date: Oct 2002 Posts: 6,523	Yeah, at your age, just go to Blue Cross or some other big company and be done with it. Unless you have some pre-existing condition, it's not gonna be much. You just need to decide how much coverage you want and how much you're willing to pay for it. For the self employed, healthy person who doesn't go to the doctor very often and doesn't wanna spend big bucks on insurance, get a catastrophic coverage plan. Something with a $2000 or so deductible will be very cheap. If you get sick, you pay out of pocket, but if you get hit by a bus or need a new kidney or something you're only out the first $2K. If on the other hand you do go to the doctor, want your prescriptions covered, and want coverage when you go to specialists, like the dermatologist to get your zits popped.... Be prepared to shell out a bit more to get a good PPOS with a drug card. It gets easier with more employees so you can have a "group" plan instead of a self employed plan....but in your case, again, you're the perfect demographic. Insurance companies like young single males because they hate to go to the doctor and they do not get knocked up.