Self-employed Health Insurance Ohio – Important Points
- Self-employed rates depend on factors like smoking status, health, and the county you live in
- Group insurance works through organized medical networks like HMO, PPO, POS, and Health Savings Accounts
- Premium paid depends on the number of employees that participate
- Anyone without access to group health coverage can opt for an affordable high deductible plan
Insurance companies offer highly affordable health insurance plans in Ohio for both self-employed individuals with no other workers and employer groups with fewer than 500 employees. With several years of experience in the field, we can help you compare plans and identify the one that best suits your specific needs. In fact we specialize in helping small businesses and independent contractors and the self employed find affordable health insurance for a group of one or more.
Before you decide on a plan, you need to consider factors like premiums, co-payments, deductibles, speculated expenses that are out-of-pocket, percentage amounts of fees paid, maximum limits on each claim and over lifetime claims.
Health Savings Accounts (HSAs) are a popular plan for self-employed health insurance in Ohio that offers higher deductibles and low premiums, and helps in saving for retiree health expenses on a tax-free basis.