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Affordable_Individual_Health_Insurance

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					Title:
Affordable Individual Health Insurance

Word Count:
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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