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Getting health insurance is the most important thing for you and your family. If you own your own business than the cost of this insurance is probably got you very concerned. The best thing you can do is get yourself into a situation where it’s affordable but helpful to you. If you try and cut too many corners you are going to find yourself in a situation where you have saved money up front but it has cost you more than a few dollars in the long run.
First you want to try to get in as part of a union or a group. A lot of times these big unions or organizations have insurance companies that they have gotten group rates with or found real good coverage rates for. Using them could be the foot you get in the door for affordable rates.
The next thing to do is get a PPO. Now, if you are in business for yourself you’ll find that PPO’s are about the only thing you can get but that’s just fine. If you have a family that is not often sick than PPO’s are great because the monthly premium is lower than you would get with an HMO.
Do not be silly with your insurance deductible. Get something that you can afford because the deductible will come right off the top and if you can’t afford a high deductible(which will lower your monthly rates) then pass on it. Don’t be foolish with your health insurance. You need it as much as you need anything.
