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Within the borders of New York State it is becoming increasingly difficult to purchase a quality health insurance plan to protect self-employed individuals from catastrophic events that will occur. The current belief among the populous is once they have medical health insurance coverage for any illness or accident they have satisfied a personal need. Insurance companies over the years have discretely changed or rearranged the rules. Additional legal addendums to your policy has reinterpreted the original text and there are a lot of items that are no longer covered.

For an individual entrepreneur to shop around for a more in depth insurance policy will leave one disillusioned because of the high costs. Most insurance policies today are unaffordable for the average citizen. There are a few items to keep in mind when searching for a self-employed individual insurance policy.

1.  A low deductible means higher premium costs.

2.  A high deductible lowers the average monthly cost for health insurance.

3.  Look for insurance policies with a low out-of-pocket expense.

4.  Insure you will have access to the physician of your choice.

5.  Complete hospitalization if required without prior permission.

Insurance policies write in such language that it is difficult at times to fully understand precisely what is included and what is not included. It will need time and patience to thoroughly read its entirety. Items to look for are those that exclude or limit health care coverage for pre-existing coverage when it pertains to you. If you are suffering with Parkinson? disease, diabetes, heart disease, which are real issues that you would want to research thoroughly . Investigating how long the waiting period is for health coverage regarding pre-conditions is an important issue. Is the waiting period three months, six months, twelve months, or eighteen months? How will this ultimately affect you during the waiting period?

We can explain in detail how to research and find an insurance policy that will fit your needs and that of your immediate family. Children have provisional health coverage, providing they are under the age of nineteen. Children living with you over the age of nineteen must register in a college or university for individual health insurance to continue.

Many parents and the self-employed overlook this one small issue when providing health benefits for their children. To continue a policy with low cost health insurance it will become necessary to purchase a separate policy for a child over nineteen years, still residing at home.

Another option for people with care needs is continuing care retirement communities, but this is a very expensive option and only those who have above average incomes and a significant assets to cover expenses.These continuing care retirement communities offer seniors a place to live and with a variety of in-house, long-term healthcare services; and they offer the elderly some recreational and social events services, sports facilities, clubs for those with special interests, vacation and outing opportunities.  Besides these services, they offer an array of home care services, nursing services, as well as access to grooming specialists and private doctors.

The costs for these residents range in prices approximately from 0,000.00 to a million dollars, and these units also have are and maintenance fees in the range of about 2,000 to 5,000 monthly, which the majority of the seniors cannot afford; which is why these communities are generally considered only for the exceptionally wealthy.

New York State’s Continuing Care Retirement Communities offer three different contract packages:

Plan A – This plan or contract provides for a senior’s housing, residential services, amenities and unlimited health-related services, which include all long-term care services.If the seniors' health deteriorates during their residency in the continuing care facility, they must be admitted to a nursing home, all of their nursing home needs are covered without increases to their monthly fees, except to cover normal inflation adjustments and operating costs.

Plan B – This plan is different than Plan A even though it covers housing, residential services and many amenities, it has a limited amount of coverage for nursing and care services before the senior must pay the fees from their own pocketbook.Once the number of days had been reached in the nursing home, the patient would then be expected to pay.

Plan C - In this plan all housing, residential services and other amenities are covered under this plan; but all nursing homes, home care, or other nursing and medical services are covered by the seniors themselves on a per service basis.  Although they pay lower fees upon entering into this type of facility, they accept greater risks when it comes to paying for their health care needs.

If you would like additional information about Continuing Care Retirement Communities in the greater New York State, please visit:

Society today is full with individuals who are self-employed. Some consider a group of one and others to have a few employees to help them manage their business. In either case they need to acquire medical health care coverage.If they hadn’t done so already, it is the first and foremost in the list of important issues. New York has a lot of insurance agencies that are accessible to assist you in finding the right plan for you.

Of course if you are a self-employed and have the assistance of a few employees, accessibility to a group plan is much easier, but what if you are self-employed as a group of one? Which agency do you begin? What medical health insurance plans are available to you? Would it be better to apply for an individual policy? Have you considered disability insurance coverage in case a catastrophic incident occurs in the future? For those individuals interested and thinking about acquiring disability insurance, whether as a separate policy or an addendum to a current medical insurance policy there are a few thing to consider. Go to www.about-disability.com they go into detail to help you find which is best for you, such as:

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         1. Own Occupation is the inability to perform current employment expectations.
         2. Modified Own Occupation is the inability to continue performing the mandatory duties of your current occupation.
         3. A “Gainful Occupation” is what we call the inability to perform any current business related to tasks based on training, education and experience.

Though not considered often, it may be in your best interest to look into disability insurance coverage as well as a low-cost health insurance.

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         1. This is to provide a financial cushion for yourself and your family members in the event of a catastrophic accident or unforeseen debilitating illness.
         2. Continuous guaranteed income between 50% – 65% of your gross annual income, depending on the disability insurance program chosen.
         3. Individual disability insurance income would continue for the duration the disability exists, unless you are able to get back on your feet.
         4. This brings the individual peace of mind in handling month-to-month expenses.

The absence of acquiring affordable health insurance could become very costly to you down the road. Applying for the state assistance can leave a person wandering in a sea of red tape that may take months for a decision to be rendered. Depending on the Social Security, provided that you have been paying into the system could be costly as well. Time lapse can leave you bankrupt.

Every year, self-employed health insurance costs skyrocket bringing with the increases more self-employed workers who cannot find affordable self-employed health insurance premiums that must spend time looking around for affordable health insurance quotes on various health insurance coverage plans for their families.This can create an issue on the medical insurance for all of those who requires a family plan for medical insurance. Getting a Cheap health insurance for individuals and families has been out of reach for many for a long time, which sees additional expenses being absorbed by our Medicare system, even though it is quickly sinking into debt itself and having to readjust to meet demands. 

Because of the self-employed health insurance costs many small business owners are looking at ways and programs they can use that are free, or can be obtained through other memberships with business groups, so that they can provide low-cost health insurance for individuals and families using family plans with open enrolment.These types of medical insurance plans are hard to find, but they do provide a low cost self-employed health insurance coverage if they can be obtained. 

Besides medical insurance, aetna health insurance, blue cross blue shield, humana health insurance, united healthcare, medicare, New York health insurance, and a few others, open enrollment family plans and affordable health care coverage can be researched using the internet. Today, the internet has many health insurance companies that provide health insurance quotes and comparisons for many companies from one website. 

As with anything else in the health care field, finding self-employed health insurance costs at a reasonable rate will take some time and patience and probably many phone calls to various health insurance providers, but don’t give up….there are low cost health insurance plans that are affordable. 

Traditional self-employed health insurance costs that are affordable health insurance for individuals and families are the most expensive plans out there, but sometimes business groups and lobby groups offer medical insurance programs that allow small business owners to opt in and obtain affordable self-employed health insurance coverage, as a member of a greater group. 

This, in turn, enables the self-employed worker to obtain a family plan for not only himself and his family, but those of his employees as well. When this can be found, health insurance coverage becomes a win-win situation. Another option is PPO’s and HMO’s but their requirements are very stict and may not meet you or your families’ immediate needs for affordable self-employed health insurance costs. 

Research is the name of the game when it comes to finding an affordable self-employed health care coverage.