Self Employed Health Insurance Plans
Find Health Insurance for Self Employed with eHealthInsurance
Review Summary: eHealthInsurance is your one-stop source for getting self employed health insurance quotes from multiple vendors. As the leading online source of health insurance for self employed, eHealthInsurance is licensed as an insurance agency in all 50 states, allowing them to find the best self employed insurance for your situation, regardless of where you live.
FREE, no-obligation health insurance for the self employed quotes. The lowest available prices on medical insurance. Quickly compare self employed health insurance plans and apply securely online.
No downside. Just a great online location to quickly compare the best self employed medical insurance plans from multiple providers.
eHealthInsurance is the leading online destination for those seeking self employment health insurance coverage. Founded in 1997, they were responsible for the first Internet-based sale of a medical policy, so they are truly an industry leader. Licensed as an insurance agency in all 50 states and the District of Columbia, eHealthInsurance has partnerships with over 175 of the leading providers, and offers thousands of medical coverage products.
Easily Find the Right Self Employed Health Insurance Plan
eHealthInsurance uses a sophisticated technological platform to communicate electronically with their coverage provider partners. This allows them to quickly find the right healthcare plan for your situation, and greatly streamlines the entire application, allowing you to securely apply online.
Because of the advanced technology that they employ, eHealthInsurance is not only able to facilitate rapid approval of self employment insurance applications, but also can facilitate real-time communication between you and the provider during the entire application process.
Health Insurance for Self Employed Choices
When it comes to affordable health insurance for self employed individuals, you have a choice to make depending on your medical coverage needs. If you need a policy just for you, and/or your family, then you will need an individual, or family, healthcare plan. If you need a policy that covers employees that are not related to you, then you will need a group health insurance for self employed plan, also known as a small business group policy.
There is a big difference between these two types of self employed health plans. With the individual, or family, plan, every covered person has to be individually qualified for coverage under the policy. However, a small business group health insurance policy must accept every applicant, regardless of medical history, so the rates on a group plan are going to be considerably higher than an individual, or family, plan.
Regardless of which type of healthcare policy you need, eHealthInsurance represents multiple insurance for the self employed carriers that have options that are right for you.
Broad Selection of Coverage Options
eHealthInsurance is an insurance broker, and not an actual health coverage provider, which means they are able to represent many different coverage providers in your area. This broad selection of companies and plans allows you to find the coverage that is right for your particular situation, without having to visit multiple websites, or visit multiple local agencies.
Because of their relationship with hundreds of coverage providers, they are able to quickly show you your self employed group health insurance policy options, as well as what is available in your location when it comes to an individual, or family, policy. Finding the right combination of benefits and price is much easier when you visit eHealthInsurance's website!
Self Employed Insurance at the Lowest Rates
By using eHealthInsurance for your self employed health insurance needs, you are getting the lowest rates possible. This is because the rates a provider can charge you is set by your state's Department of Insurance, so regardless of whether you get a medical policy from a local agent, directly from the provider, or from eHealthInsurance, you will be paying the exact same premium.
eHealthInsurance has a great advantage over other medical insurance agencies in that you are able to quickly compare available policies online from the comforts of your home or office. Because you will not find cheaper rates anywhere, you really need to take advantage of the convenient comparison technology eHealthInsurance uses.
Health Insurance for the Self Employed with No Extra Charges
It costs you absolutely nothing to use eHealthInsurance to find the right health insurance for self employed provider. When you choose a plan, you will pay the monthly premium directly to the health policy provider, not to eHealthInsurance. eHealthInsurance is paid a fee by the provider in the form of a commission, assuming you purchase a medical plan you found via eHealthInsurance. This is the same way a local agent is paid.
Find Coverage from the Comforts of Your Home or Office
When you use eHealthInsurance to find and compare the best health insurance for self employed plans, you can do everything in a private setting using their easy to use online interface. You don't ever have to deal with any high-pressure agents, and you are under no obligation to actually use any of the providers you find with their service.
Fast Processing for Your Application
eHealthInsurance offers you the quickest way to apply for coverage, because many of the plans they offer allow you to submit and sign all required documentation electronically. This greatly speeds up the average application processing time, giving you the medical coverage you need, in a very timely fashion.
Customer Service While Choosing Medical Insurance for Self Employed
While you are shopping for medical insurance for the self employed, you can contact eHealthInsurance's customer care center via a toll free phone number, online chat, email, or fax. One of their highly trained customer service representatives will give you unbiased advice and answer your questions regarding the purchase, and use, of your medical policy
Using eHealthInsurance to Find Health Coverage - Final Thoughts
No matter what kind of health coverage you are shopping for, you will find a suitable policy by using eHealthInsurance. Whether you need an individual, or family, plan to cover your immediate family, or a small business health insurance policy to cover you and your non-related employees, there is an option to fit every need.
With the ability to quickly compare the available options when it comes to health insurance for self employed people, and get online quotes all from the comfort of your home or office, eHealthInsurance is the only service you need to find the right policy. With the ability to securely apply online, and with no obligation to purchase a policy, there is no better destination on the Internet for your medical coverage needs. Get a self employed health insurance quote today!
Self Employed Health Insurance Plan Comparison
| Individual & Family Plans | Group Medical Plans* | |
| Coverage for a single named insured (individual plans) or for the named insured, their spouse, and eligible dependents (family plans). |  |  |
| Coverage for a group of people working for the same employer. Group needs to have at least 2 people (generally full-time employees which can include owners, partners, and other employees), though groups of 1 are possible in certain states. | | |
| Each person to be insured must go through a medical underwriting process, with the possibility of not getting coverage due to medical history, or having a pre-existing condition excluded from coverage. Individuals with previous medical issues may be deemed "high-risk" and end up paying considerably more for coverage than a "healthy" individual, assuming they can get an individual policy at all. | | |
| Accepts anyone, even those with pre-existing conditions or poor medical history. However, an exclusionary period may apply for pre-existing conditions. | | |
| Coverage can be tailored to fit an individuals needs by starting with set benefits and adding more if needed. Or, an insured can choose from a wide variety of plans that offer varying benefits, settling on one that best fits their needs. | | |
| Employer generally picks a group plan that they feel best meets the needs of most employees. Benefit coverage may not be ideal for all plan participants, and the ability to add or subtract coverage may be severely limited, or not available at all. | | |
| Premiums tend to be lower if the insured individuals are healthy due to strict underwriting requirements that individual/family plan applicants go through. High-risk individuals do not qualify for plans with lower rates and should consider seeking coverage through a group plan. | | |
| Premiums tend to be higher for all plan participants, as both high-risk and low-risk individuals are covered under the same policy due to more restrictions placed on the underwriting process. | | |
| Premium increases are based on previous claims history of people who have the same policy. This generally is a very large number of people who have no association with each other (don't work for the same employer, for example) - the only thing they have in common is that they have the same policy from the same insurance provider. | | |
| Premium increases are based on previous claims history of participants within the group plan. Premiums can be greatly affected by having a small number of participants that have a high number of claims (or very expensive claims), especially if there aren't a lot of participants in the group. | | |
| The policy holder is responsible for 100% of the monthly premiums, which can be quite a bit based on how many people are being insured, their age, policy coverages chosen, etc. | | |
| Employer is required to pay a certain percentage of monthly premium - usually 50%. This makes the cost to the group members (employees) usually less than if they were paying 100% for individual coverage. | | |
| Access to coverage IS NOT based on employment with a certain company. If an employment situation changes, coverage will continue. | | |
| Access to coverage IS based on employment with a certain company (the group policy holder). Quit, or the company folds, and coverage will not continue. | | |
* Group Medical Plans - There are two categories of group medical plans (Wikipedia definition) - small employer plans for companies with 50 or less employees, and large employer plans for companies with more than 50 employees. The information in the above table is relevant to small employer plans. Learn more about group health insurance plans.
