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@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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