With any luck, your new business will be so successful that you'll be running around the clock. The downside to that is that all that running may make you sick. I'm going to assume that anyone reading knows they should have health insurance but the question is how do the self-employed (who don't have benefits from a spouse/partner) go about getting it?
This is the short list of health insurance options I found in my search. If you know of others let me know and I'll add them here.
- Ehealthinsurance.com - I highly recommend checking out this site as it was through them that I received my health insurance that, frighteningly, is better then the health insurance I had at business school. Yes, I'm paying for it all myself but the costs really aren't as bad as I was expecting and they provided me with a great selection of plans to choose from (though the variety of options appears to vary from state to state).
- Some local small business associations offer group health insurance plans to members. That may be worth looking into if you're a member of one of these groups.
- I've been told that in some municipalities as long as your business is signed up with the local Chamber of Commerce that you may be eligible for group health insurance rates.
- Check out national organizations specific to your line of business/industry. For example, freelancers can sometimes get health insurance through national freelancer organizations.
- Get a part-time job at Starbucks. I'm serious! Last I heard you only had to work six hours a week to be eligible for their health insurance. Not sure what other perks their part-time employees get but it's not necessarily a bad option.
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