Entrepreneurs often find that running their own businesses can make getting good health coverage difficult. You may face high deductibles and high monthly premiums on your health insurance plan options. Insurance companies don’t make it easy to get health insurance for solo entrepreneurs–anyone who is outside of a traditional employer group health insurance plan can feel left out in the cold.
Fortunately, there are resources available for solopreneurs who run small businesses. There are health insurance marketplaces, such as Healthcare.gov, which are designed to help people who do not get health insurance from their employer but through the federal government and the Affordable Care Act. The problem is: sometimes they’re not all that affordable.
So how do entrepreneurs get health insurance? These are the insurance companies that we believe are leading the way in helping solopreneurs, and we can help you find an affordable health insurance plan for you.
Blue Cross and Blue Shield
Blue Cross and Blue Shield stands out because it has one of the largest provider networks in the country, operating in all 50 states and the District of Columbia. The company has a good reputation for being ethical, and they are working to improve the quality of their care.
Not all states have the same coverages so you will want to do some digging into what Blue Cross and Blue Shield offers in your area. But they can truly be the answer to your problems if you’re a solopreneur looking for health insurance.
UnitedHealthcare is another very large provider network, and another health insurance company that operates in all 50 states. They also make the application process very easy so you can apply online and find out your monthly insurance premiums without ever having to talk to a sales representative.
With coverage everywhere, they’re one of the easiest to work with, no matter where your business takes you. Whether you’re traveling across state lines to close deals and make sales, or whether you’re visiting a supplier in another state, you will always know that UnitedHealthcare is accepted in that state.
A smaller insurance company which only operates out of eight states, they are good because they have oriented their business model around preventive care and full-body wellness. They routinely get good customer satisfaction reviews.
Kaiser Permanente is smaller, but is gaining traction as one of the best small business and solopreneur health insurers. They have a good reputation that is based on years of good outcomes. If they’re in your area, they’re well worth checking out.
There are likely always going to be one or two cons when you’re looking at a health insurance plan, so we encourage you to work with a team that puts your best interest into a plan recommendation. Contact us here at Healthedly!