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Searching this topic in Google only gives tons of applications but no info. I just want to know roughly how much it would cost a year for me to get my own health insurance. Are there big names to look for? I do not want a small insurance company.

3 Thoughts on What is the best health insurance company for the self employed?
  1. Reply
    Tom Z
    November 15, 2012 at 12:45 am

    Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. He or she can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network.

    Ultimately, you are the one who determines what is the best insurance because you decide what right balance is between affordability and policy benefits.

    If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles, low co-pays as well as vision and dental benefits your monthly premiums will be significant.

    On the other hand if you are young, healthy and use the health care system sparingly you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor’s office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.

    Some are going to suggest you go to their site so that they earn a few pennies on a “click through”. Some are going to suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan as the “best and cheapest” approach but that is not insurance at all.

  2. Reply
    November 15, 2012 at 1:16 am

    Yes you are right, Google will give you so many websites to look at which can be confusing. Plus there are insurers and brokers bidding on google adwords to get your business.

    I am a broker – Best Health UK ltd. I can tell you that if you are about 30 years old, you could pay about £30 per month for a plan. But it all depends on what you are looking for? You would pay more if you wanted cover that gave you full out-patient consultations cover. the cheaper plans wont cover you for that initial consultation but only once you are in hospital.

    The big names of course are Norwich Union, BUPA, Axa PPP, Standard Life but using a broker like Best Health uk will enable you to obtain a free comparison of all of these plus more. Also specialist brokers like us have access to plans that these insurers dont offer direct to the public.

    At the moment, we can offer 2 months free cover with NOrwich Union.

    I would be more than happy to speak to you. You can find out about us by visiting

    You can also get a rough quote there.

    Thanks and good luck!

    Debbie Kleiner-Gaines

  3. Reply
    November 15, 2012 at 2:14 am

    First of all there is NO insurance that’s specifically for the self-employed. AND, any organization marketing it as such is to be avoided.

    There are two kinds of insurance. One is group and that’s sold to businesses for their employees. Everything else is individual coverage…even that which is sold through organizations.

    So what you need is individual health insurance, because you’re not looking to insure your employees.

    Now you just need to search for “(your state) health insurance broker” and check the ‘about us’ section of their site and look for a physical address. You do this so you know you’re not putting your information into a lead farm so that your name can get sold over and over.

    Depending on the state you’re in you may find the tool on my site helpful to compare plans. No personal information is required to use it.

    Cost depends on your age, state, type of plan, etc… A broker costs nothing to use and will be able to show you and sell you most, if not all, of the comprehensive health plans that are available to you.

    Avoid limited benefit plans because you’re cutting your benefit, but you’re not necessarily cutting your cost.

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