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Health Insurance for Self-Employed?

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Health Insurance for Self-Employed?

Postby pschlegel » Sun Oct 12, 2003 10:12 pm

I thought I posted this before, but didn't
see it when I came back.

I'm the father of one (soon to be two) with
a wife who works at home (raising the
family, managing the home).

I'm wondering what other people in similar
situations do about health insurance once
they quit their J-O-B.

Anyone know of good resources on this?
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Postby WAHumor » Mon Oct 13, 2003 10:29 am

Sure do!

There's .

And , if you can prove that you work at home and swing the membership fee, join the National Association for the Self-Employed and get THEIR insurance.'s a start!!

What's the P stand for?

Oh...pardon me...I'm Dan.

And don't listen to what ANYBODY says about me!

You know how families can be...
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Postby WAHumor » Mon Oct 13, 2003 10:31 am


Boy, what a lotta help I am...didn't even give the other URL!!

It's .
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Awesome - thanks Dan! Here's the "P"

Postby pschlegel » Mon Oct 13, 2003 12:44 pm

This is great.

The "P" is for Paul.
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Postby Jeff Casmer » Thu Feb 24, 2005 9:07 pm


If your located in the Midwest, Blue Cross Blue Shield offers insurance for the self employed which is fairly economical.

Good luck!
Jeff Casmer
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Postby LynnWilson » Thu Feb 24, 2005 10:21 pm

We used NASE for a long time and really benefitted from it.

Lynn :D
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Postby quality4nate » Thu Mar 03, 2005 11:29 pm

Hi! I use BC/BS for my son-had to go to this when health insurance cost skyrocketed. They offer good plans for children. I myself am a Type 1 diabetic and WAH. I keep my husband working in the field because no-one will cover any pre-existing through private insurance. As a good option the Ameriplans and others offer discounted rates on doc's, hospitals and scripts. As long as you are fairly healthy and your wife doesn't want to be covered for pregnancy (at least not tomorrow-haha) the discounted plans are pretty decent as the monthly cost is fairly low!
Good Luck in your search and good health!
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Lotsa options

Postby ElevatingYourBusiness » Mon Mar 07, 2005 12:00 am

I wrote this article a few years ago when I was researching insurance possiblities....

I get notes every now and then about how it's helped someone find what they were looking for...
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Postby » Wed Mar 09, 2005 6:19 pm

WAHumor wrote:Oops!

Boy, what a lotta help I am...didn't even give the other URL!!

It's .
Dan, curious, do you have this insurance or do you know anyone who does? Does it come recommended? Is it cost effective compared to other insurance in your area?

~ Mark
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Great topic!

Postby JasonARZ » Tue May 24, 2005 11:34 am

Hi! This is a great topic for all us work at home people! I use the Mega Life and Health but also another work at home friend of mine turned me on to Ameriplan that I supplement the Mega Life with.
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Thoughts on health insurance

Postby HowardH » Tue May 24, 2005 2:22 pm

Disclaimer: I am a Texas-licensed insurance agent.

There are some things folks should know about health insurance. First, the principal rule for avoiding getting screwed by an insurance company, namely, NEVER insure anything you can predict. Period. The insurance company is better at prediction than you are, anyway. Getting coverage for office visits and prescriptions is like car insurance that covers oil changes and wiper blades; it might be convenient, but you are going to pay way too much for it.

Next, I personally don't care much for so-called 'indemnity' policies. They have their place, but their place is NOT as your main health insurance. If your only coverage is an indemnity policy, and you have a major illness or major accident, you are very likely to be financially ruined. For an explanation of how this works, see my short essay on that subject at ... tions.html (item 3).

For the best deal in health insurance, get a High-Deductible Health Plan (HDHP) coupled with a Health Savings Account (HSA). The HSA is the best deal available to an ordinary (non-politician and non-wealthy) person. It's a hard thing to sell, though, because of the way the insurance industry has pitched health insurance (IMNSHO, mostly disinformation) for the last several decades.

Also, beware of non-insurance plans. They can be useful and even cost-effective, but they can also be deceptive -- and you won't know about that until you have occasion to use it. Plus, you can often use the same sort of tactics used by the non-insurance plans to get similar discounts on medical care without paying $20-80/month for these plans. Ask your primary care physician about "cash in advance" discounts -- you are likely to be very surprised.
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Postby dio_mack » Fri May 12, 2006 4:37 am

I think this thread is very helpful because of exchanging points of view,
I recently checked out some free quotes at Insurancepaylite they have a couple of known companies here and found out good benefits from there service.. Maybe it can help some of you who needs affordable insurance..

Hope this helps...
good Luck!
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I am no longer in the insurance biz

Postby HowardH » Fri Jun 23, 2006 9:59 pm

If you tried the link in my previous post above, you got a dead link. I will be allowing my HLHINS.COM domain to expire, since I am no longer in the business.

I have updated and moved the information to ... tions.html in case anyone is interested. The picture links are dead, but the information is still valid. I will also be happy to answer questions on insurance in this forum.
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Postby Lindatindill » Thu Aug 31, 2006 11:13 am

It's sad to think so many people are without health insurance. I have many friends that are looking for health insurance and are in the high risk bracket or they have families and can't find affordable insurance.
Everyone wants to have the peace of mind of having their family covered with health insurance. They just can't find what they can afford.
I know there are answers out there, you just have to find them.
There are affordable ways. If interested pm me.
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Postby WAHumor » Fri Sep 01, 2006 7:17 am

As with anything that costs you money, always check stuff out well and ask for references of current clients.

Some are reputable with a long track record and some may be iffy, but ultimately you're the one paying the money!
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