Health Insurance Comparisons

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  hurricane_0_8 posted: 31 Aug at 10:28 am

  It may be that you are finding it difficult to get coverage because of your occupation. Even though your personal experience may be very good, many insurers believe that horse training is an especially dangerous job that may result in the insurance company paying out more money than usual in claims. Thus, they either do not offer the coverage you want or they place such a high price on it that it is not worthwhile. You may find that you can get good coverage if you look into short-term health insurance. Try http://www.wavehelp.com/short-term-health-insurance.htm
  Best wishes

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  mbrcatz17 posted: 31 Aug at 11:19 am

  I don’t know what reasonable is in your mind, but the best place for the self employed to go is their local small business association. They usually have access to a group plan that the individual business owners can sign on to. Pricing for an individual should be around $300 to $400 a month.

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  mcooper06 posted: 31 Aug at 11:43 am

  A very good way to do this in these days of rising costs is to fund a medical savings account for yourself to the tune of say $5,000. You can then buy a major medical plan that has a $5,000 deductible. This plan will be far cheaper than traditional insurance because the deductible is so high. You will then pay out of your own HSA for the first $5000 and should continue to fund it to keep it to the $5000 as you use it. Should something catostrophic happen the major medical kicks in to keep you from going broke.

  Most fairly healthly folks will save money using this scenario instead of traditional health insurance premiums as you are essentially self-insuring for the first $5000. This sub-$5000 is where health insurance companies lose their butt. Most people will spend far less than $5000/year on medical bills.

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  Jr posted: 31 Aug at 12:08 pm

  A health savings account is BEST as it is affordable and you can deduct both the premium for the insurance and the savings account on your taxes. Also you can use the health savings account for any item the IRS deems acceptable under qualified medical expenses IRS publication 502 under sections 220(f) or 223(f).

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  MostChoice.com posted: 31 Aug at 12:53 pm

  I think the best way is to do some research on your own and then get in touch with local health insurance agents or brokers. I say more than one because talking with more agents will give you more ideas, see more health plan products, and – most importantly – get several different insurance agents competing two earn your business. Many people don’t realize it, but insurance plans aren’t any cheaper online than they are through an agent.

  You might want to find out whether a horse trainer organization has group health insurance. It would be cheaper than individual health insurance. I’ve included a link to United Professional Horsemen’s Association; they might have group health plans for members or offer advice. I’m sure there are other professional horse trainers in your situation.

  When I’ve looked at self-employment matters, The National Associated for the Self-Employed (see link below) had some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small business and the self-employed. Depending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them.

  After you’ve done some researching, try visiting MostChoice.com. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company.

  You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm

  Hope this helps,
  Barnes@MostChoice

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