Apart from the usual private and government employees, self employed individuals or those into small or even larger businesses can apply for the many Ohio health insurance plans for the self-employed.
Online PR News – 01-August-2010 – – Ohio has some of the most affordable healthcare insurances available in the United States.If you were employed and had insurance coverage, you could retain it by extending the plan through COBRA. Workers can extend these benefits for a period of 18 months after leaving a job. However, you might also have to pay the employer portion as well, which could be a considerable amount.
A self-employed person who has no other workers is not eligible for a group health plan, but can join another group health plan through a family member, for instance, one’s spouse. A self employed person with more than one employee can purchase small business health insurance.
Health Savings Accounts are one of the most sought after Ohio health insurance plans of self-employed individuals. Its main purpose is to aid in the possible future medical and retirement health expenses that the insured or his family members would eventually need. In comparison with the Cobra health insurance, Ohio health insurances for the self-employed are much better off in terms of pricing and premium calculations.
There are certain ways in which one can avail of a cheaper Ohio health insurance for the self-employed. One of these is increasing the person’s medically related deductibles which can cut premium payments up to 30%. Some features of self-employed health insurances are deductible-free, like the office check-ups and medical prescriptions, so one might totally take advantage of it.
When planning to purchase an Ohio health insurance plan for the self-employed it is best to compare a certain plan with other available ones. Before settling for any one plan, here are some features you have to compare:
• Out-of-pocket expenses
• Maximum per claim limit