What's the best health insurance company for a self employed family?

Question

Self Employed. In Georgia. What's the most cost effective company that pays great? Thanks

Answer 1

Like in your situation,I would like to advise you have a look here.http://health-insurance.expert-tip.info/...

Answer 2

I am very happy with the medical coverage from Kaiser Permanente and they operate on Georgia. They are the lowest cost provider of real insurance in most places they operate and since they have their own hospitals, there is no hassle about them paying claims.

They cover 15% of the population in California and I expect their business model to be the future for medical care in the USA in the future.

Answer 3

don't know.  you have to research what is the best for your family, and that has the options that you need/want.  call around, or search on the web.

Answer 4

You need to decide what level of coverage you want, too.  Do you want them to pay for each doctor's visit and subsidize every prescription?  That coverage is available, but it will cost you more because the insurance company knows they will regularly have claims against the policy.

If you are looking for lower premiums, take a higher deductible and a higher co-pay per visit.  You may even want to just do major medical coverage, with a very high deductible (like $5000), and pay all of the day-to-day costs out of pocket.

If you do get a high deductible policy, you could find a plan with a Health Savings Account.  This would allow you to put money into the account which you could use to pay things like co-pays and prescriptions.  Funds not used in a given year could be rolled over to the next year.

There are too many factors in pricing health insurance to say which is the best company for your family's needs.  You can price different policies out by going to a site like Insurance-Rates-Online.com or InsureMe.com and requesting free quotes.  Yes, you will get calls from insurance agents, but that's an important part of this shopping process and the only way to make sure you get the coverage you need.

Answer 5

In my state there is a business and industry association that offers group heath insurance plans to small businesses.  The pooling helps the small businesses get rates similar to the rates large corporations are offered.  While it's still expensive, it's far less than trying to find and afford private coverage.