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Affordable_Individual_Health_Insurance

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					Title:
Affordable Individual Health Insurance


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305


Summary:
There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that
there are savings in numbers; the more people in a plan, the better the savings for each member.


In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-
person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things
like bookkeeping, filing or mailings, you may be able to ...



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Article Body:
There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that
there are savings in numbers; the more people in a plan, the better the savings for each member.


In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-
person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things
like bookkeeping, filing or mailings, you may be able to claim them as an employee and get the group rate.


Another option for the self-employed is the National Association for the Self-Employed (NASE). NASE
offers self employed individuals the choice to deduct 100% of their medical premiums and 100% of their
non insured medical expense from state, federal and self employment taxes through a program called 105
HFR.


If you’re not in a business, don’t despair. You may be able to enjoy the lower premiums associated with
group plans by joining an organization such as trade or alumni associations.. For instance, as a writer, I
might elect to join a group association targeted to help writers secure discounted health insurance. Groups
such as ASJA American Society of Journalists and Authors.


Fitness instructors might elect to participate in the health insurance program offered through IDEA, an
organization of health and fitness professionals. Pregnant women may join the American Pregnancy
Association which offers both government funded programs and discount health programs such as
MaternityCard AmeriPlan.
Because association health plans are not subject to the various state regulations that group health plans are
subject to, they are able to offer cheaper insurance coverage. Keep in mind, however, that an association
health plan is different from a group health plan in that the association does not have to offer the same
premium for each member.




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posted:7/3/2012
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