Health Insurance for Realtors-Or Any Other Small Businesses, Individuals or Self-Employed. Are There ANY Good Options?
As far as I know, there really are not any good and affordable options out there for self employed people or small businesses like us. I could go on a big rant about this but I will try not to!
When I looked around a few years ago and did some research, I found the only option for GROUP insurance under the current laws which restrict our associations from forming a group like any corporation can, was through NASE-National Association for Self Employed.
This was the only GROUP policy I could find at that time. Does anyone know of any others? It is expensive, like any insurance, but at least it does not keep going up by very much each year like it does with an individual policy. They (MEGA), like most insurance companies, try to not pay out as much as possible, so that can be a hassle. But I felt the fact that they can not single you out and cancel your policy like an individual plan could was a HUGE plus. Can you even imagine getting ill....and it would already be a hardship not to be working because if we do not work, we have no chance of getting paid.....but then your insurance company decides to cancel your health insurance ***because they can***...and then you not only have no income, but no health insurance and NO insurance companies willing to take you on because now you have a pre-existing condition? And it happens all the time!
I am also wondering if anyone knows of a good Dental Policy let me know, because this one is the pitts...it hardly covers anything!
Does anyone else think this is outrageous that we can not form a group through our associations?
Has anyone else seen Michael Moore's movie about this, called Sicko?
It is a sick situation, for sure! So stay positive and stay healthy:-)
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This is one of the area where the NAR could have spent some time lobbying better on our behalf. We came close to qualifying as a group, but no cigar.
I have an individual policy with State Farm with a high deductibe and it costs me about $2300 a year.
Fortunately, I'm very healthy and don't routinely use the medical field for anything. But, back in 1999, I got a hot appendix and they paid everything but the deductible.
Debi-thanks for your comment:-)
Check out this and you will find out so much it will make your head spin!
Michael Moore's movie about this, called Sicko You can also rent it on Netflix!
Hi Lenn...I really think NAR was lobbying very hard on our behalf on this and for the behalf of all small businesses. I do not remember the exact results, but they were making some progress...
I had a Fortis Policy through State Farm and switched to NASE to get in a group. Stay healthy!
Gary-that is so interesting that you can get a group policy...not in IL!
Brenda-Thanks for the input!
Chuck-thanks for the comments.
Debi-good luck with the links:-)