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Old 11th August 2008, 08:41 AM   #1
Dale King
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Exclamation Health Insurance For Homebased Business Owners

Obtaining affordable health insurance today is a nationwide crisis, especially for the self-employed. Costs have spiraled out of control to the point where you may be thinking you may have to do without. Fortunately, that's not the case. The upside is you have both the luxury—and the burden—of having many choices.

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Old 14th August 2008, 03:26 PM   #2
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Users should consider HSA's, they are still the best bargain around as long as they are valid anyway.

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Old 14th August 2008, 10:55 PM   #3
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I've decided that health insurance is a waste of money. Insurance companies aren't willing to pay for many issues once you are sick, but they can sure take your money each month. Has anyone tried the medical discount cards versus insurance?

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Old 31st October 2008, 08:49 PM   #4
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Many self-employeed people don't even have any health insurance, whether they are young or old, and that's actually something the gov't should pay attention to.

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Old 2nd November 2008, 11:56 AM   #5
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I'd second the HSA recommendation, but I completely disagree with getting the goverment involved...I want complete control over my health insurance.

Health Savings Accounts and their accompanying high deductible health insurance policies are simply the best type of health insurance plan out there. I say "the best" because they require a much lower monthly premium, give you insurance for what you really need it for (major medical issues), and then offer a tax-deductible savings account (think bank account with a debit card) for paying for smaller, everyday medical expenses. And if you don't spend the money in your HSA, it rolls over (you keep it).

There are lots of websites on this subject and I would encourage everyone to get educated on how health insurance really works. As you learn more, it will become obvious that HSAs are the best option.

Here's a website that offers a lot of HSA information and resources if you want to learn more: www.hsa-pro.com

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