Virginia

Self-Employed Health Insurance

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Self Employed Health Insurance in Virginia

If you are self-employed, you do not receive health insurance benefits with your job. Instead of relying on health plans offered by your employer, you are in control, and you decide which Virginia health plan to choose. Rising health care costs in recent years have made it harder on self-employed workers, freelancers, and sole proprietors. It's a good thing that today there are health insurance choices that should fit any budget.

As a self-employed worker, you have special options that most people don't have. Instead of simply accepting whatever health coverage your job offers, you can choose one of many individual health insurance plans, or even choose a group health insurance plan:

1. Individual Health Insurance : Flexible, Affordable.
2. Group / Small Business Health Insurance : Rigid, Inexpensive.

Individual Health Insurance for the Self-Employed

Self employed workers have access to the same health plans that individuals and families do. This means that you can choose your own individual health plan or family medical insurance plan, unlike most business workers. Why would you want to choose individual coverage?

Individual health insurance features a number of advantages:

1. It's affordable. In fact, individual insurance can be more affordable than group insurance.
2. It's flexible. Individual plans are not attached to any job, they follow you.
3. It's customizable. Individual health insurance plans can be changed to lower costs, increase coverage, etc.

Group Health Insurance for the Self-Employed

For these reasons, individual health insurance is becoming increasingly popular among the self-employed. But the self-employed are not limited to choosing an individual health plan. If your business hires at least one full-time employee, you can choose a group health insurance plan. Group health insurance is popular for the following reasons:

1. It's inexpensive. Group health insurance is often the cheapest option available.
2. It's attractive. Group coverage offered by your business attracts skilled workers.

While it's true that group health insurance plans are usually the cheapest option around, group health plans are very rigid, and offer very little if any customization. This means that you must accept group plans as they are. If you choose an individual health insurance plan, you can choose the coverage and costs that you want.

The Best Choice for the Self-Employed

So which is better? It depends on what you want. We can help you make the best decision. We have over 20+ years of experience in both group and individual health insurance plans. If you qualify for group coverage and group coverage works for you, that is what we'll recommend. If an individual plan fits your needs better, then we'll recommend an individual plan. The best plan really depends on your needs.

You can enter your zip code above and click "Get Quotes" to get instant online price matches, or you may visit our Individual / Self Employed Health Insurance Quotes page for personalized guidance from a licensed broker.

If you would like to call us directly, you are also welcome to do so. Call us toll-free at 1-(888) 380-2505 and talk to a licensed broker. As always, our services are completely free to you. As licensed health insurance brokers, we are paid by insurance carriers, so there is never any cost to you.

MyLocalBroker.net offers affordable Virginia health insurance price quotes, guides, and plans. Use our experience in Virginia health insurance for family health insurance, individual health insurance, business health insurance, group health insurance, dental insurance, and senior medicare plans in Virginia.