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Getting private medical insurance is much more costly than continuing a group healthcare coverage. Being a self-employed individual, if you are not eligible to participate in a group health plan, then also you can take advantage of healthcare coverage under your spouse's health insurance policy. You, as a self employed can enjoy the benefits of such coverage until your wife or husband is enrolled to a group health insurance plan.
It's quite natural for a self employed person to bring to mind about medical insurance as lavishness; since getting private medical insurance is too costly to bear. It can be much costly for the individuals who don't fall sick often or see doctors frequently. However, it's not good to totally avoid having insurance. It's better to look for some easy ways to get affordable insurance as well as insurance with lower premiums; like,
- Joining unions
- Partaking in your spouse's health insurance plan
- Taking benefits of state government-operated health plans and programs
In some states, there is facility of free health insurance for the people belong to the low income group. Such people sometimes also get subsidies for the health insurance premiums.
High risk pools are also good options. High risk pools meet the individual health care requirements of huge number of people, like group health plans do.
Getting private medical insurance is really expensive. But to get cheaper healthcare coverage, you need to actually get discounts on your premiums; since no insurance provider in fact offers any inexpensive insurance policy.
Joining a medical club can also help you cut expenses on your bills. Medical clubs typically charge a monthly fee of 30 USD. It also offer almost 25% to 30% discounts on prescriptions and medical supplies.
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