Florida Health Insurance Options for the Self-Employed

If you are self-employed and are looking for medical coverage, then buying health insurance in Florida can be a tricky affair. You will not have access to the benefits of group coverage and have to bear all the expenses yourself. For someone doing his own business in the state, buying health insurance Florida is the same as buying individual health plan. Hence it is necessary that the resident is careful about what he is buying.

1. Quote comparison is very important as all the costs will have to be paid by the individual. Hence he should look for a plan that offers him the maximum privileges at the lowest possible price.

2. If the resident does not need regular medical attention, then he can go in for a plan with higher deductible and lower premiums. Such health insurance Florida plans turn out to be quite cheap for those who need insurance only as a safety net.

3. If you have a spouse or a friend helping you out with your business, then you could apply for a ‘group-of-one’ coverage. This will help you get the benefits of a group insurance even though there is technically one person. However, this provision is not applicable in all states and you first need to check from the Florida Department of Insurance to confirm your eligibility.

4. Since it is an individual health plan, you can customize it according to your needs. If you are a healthy person, then you can leave out those medical facilities that you are sure not to use. This will bring down the premium considerably.

5. The last but definitely the most important thing is to check the company and the plan carefully. The plan should offer all that it promises it will, should not exclude any of the medical facilities that you are sure to need and the company should be of good repute and should have the license to sell insurance in Florida.

A self-employed in Florida does not have much option but to go in for individual medical insurance. Individual plans are by nature expensive and therefore a resident should be more careful about what they are purchasing.