I am a self employed house painter looking for group health insurance?

Have you checked with any house painter organizations (if any exist)? Sometimes they can provide group health insurance. One word of caution, though. There is debate about the value of association health plans (those you might see with a professional organization). On one hand these plans are less expensive than individual coverage and people with pre-existing conditions are more likely to be accepted than if they tried to apply for insurance on their own. On the other hand, some critics say that association health plan benefits are so watered down that you are better off paying more for a private plan (if you can afford it).

You might also contact your state insurance department to see if you might be eligible for group health insurance as a â€œgroup of one.â€ Some states expand access to group health insurance to self-employed individuals with no employees. Iâ€™ve included links below to state insurance departments and to a listing of state health guides that should explain whether â€œgroups of oneâ€ coverage exists in your state.

If youâ€™d like to talk to local insurance agents and compare health plans online, try MostChoice.com. Itâ€™s a fast, no-obligation way to explore the local health insurance market; you might find that health insurance is more affordable than you think. If not, that will make you more confident in your pursuit of alternative options.

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

Hope this helps,
Barnes@MostChoice

The best one out there i would say is HMO i would look into that. HMO is the best because after a certian period of time they pay 100% of your Doctor visits. And I know they go through Group Health. but when they don't pay 100% its only i believe 20$ a visit and then 100$ for hospital visits..If you need anymore info..IM me ill be glad to help you some more!

Blue Cross and Blue Sheild is holding an open enrollment until November 31st of this year. THey have put out a great deal. Go to their website at https://www.bcbsal.org/index.cfm to find out more information.

As a business owner you must ask yourself some serious questions.
a. What type of person are you?
1. do you take an active part of your business, do you concern yourself with the tax rate, competitors, US dollar, global competitors, workers comp costs.
2. Here are the three basic healthcare strategies currently available:
a. Pre-paid healthcare- HMO (you pick one dr)- with this type of service you pay a higher premium, doctors are pre-paid each month out of the monthly premiums you pay. Ex. if your premium is 100.00 approx. $40.00 goes to the dr. this payment is sent directly to the dr. every month, this is called Capitation. If you utilize services then the consumer can be a big winner in this situation, ie. if you go in alot.

b. PPO Plan, no deductible and traditional deductible plans, this type of plan no pre-payment is sent to the dr. Unlike the HMO in this type of plan, you can go to thousands of drs. listed on the participaing provider organization lists of the plan. When you visit the dr. he/she will bill the insurance carrier for you and then you will receive a negotiated rate billing or what is known as a explanation of benefits, you will be itemized the amount you need to pay. Ex. if you have a 500. PPO plan, Dr. vists or what I call consulation visits will most likely be subject to a small copay $10-20.00 then diagnostic services ie. X-rays, blood work, will be subject to the deductible, so if I go in for some blood testing, and had a $500. ded. the bill goes to the insuranc carrier for a negotiated rate, if lets say it is $250.00 I pay the $250.00 and that amount goes toward my annual deductible. Most PPO plans "all that I know of" have Co-insurance this is typically between 20-40% of the charges. One of the most important part of a PPO plan is the Max. allowable charges, or what I refer to as the max. out of pocket "the most you will get charged if you stay within the PPO provider list of physicians.

c.HSA plans, these are the newest types of plan- this is where the consumer takes charge of the healthcare costs. Typically high income earners or folks who read lots of Money or Business articles are jumping on board, as it puts you in charge or back in control of rising health insurance costs. This type of plan is for someone who wants to lay out a long range plan for healthcare costs, with limited risks. The risks lie in the deductible, and deminish if the subscriber contributes to a personal HSA account, over time with money contributed the risk deminish's. I would not suggest a HSA to anyone who is looking at this as a short term solution, the whole idea deals with Tax. savings, Reduction in Federal income tax, Reduction in Federally reported income, and ultimately the consumer taking back the profits the health insurance corps have been making for years, they call them "RESERVE MONEY", look if the big insurance companies have 20billion in reserve money that means they are accumulating money, that means that they have accumulated this money after paying out big salaries, spending millions in advertisements, you don't see big advertisements on HSA plans.. do you, because they will eat away at the profits.

Learn more at www.HSAInside.com
Rudy Rivas, President
Health Insurance Expert

Usually, you must have 2 employees to have a group. However, that varies from state to state. I suggest getting an individual policy that covers you for on-the-job injuries. Be sure it will cover for your work related injuries if you don't carry work comp on yourself. Otherwise, you could have an accident while working and it would no be covered on your individual plan.

You can't get group insurance if you don't have a group. Carriers have different requirements, but to get a true group plan and the cost breaks associated with it, you typically need at least three employees.

Individual plans are about all you can go for right now, unless you can find an association or professional group that offers them to people in your profession. Typically, you have to pay to join those, but it can be worth it.

Try Blue Cross, Blue Shield.

try asking for resources from your local small business association, they may be able to refer you to companies that specialize in your occupation.

another thing you might consider to add for your business is a retirement plan that helps reduce your taxable income and save for your future. do a search for SEP, or ask where you bank and they probably have a program guide.

check online what you really need

Here are some great benefits for you to check out http://www.mybenefitsplus.com/40442861

Your only chance is to see if your local SBA has a group you can join, to become part of their group health insurance plan.

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