Health insurance-----association for self employed????

Discussion in 'Homesteading Questions' started by Farmer Brown, Aug 22, 2004.

  1. Farmer Brown

    Farmer Brown Well-Known Member

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    May 28, 2002
    I've read that they have the best deal. Anyone that can give a quick example of the cost of their health insurance? Thanks, FB
     
  2. WillowWisp

    WillowWisp Well-Known Member

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    Aug 21, 2004
    Location:
    Colorado
    What kinda info do you need? I am pretty good at researching insurance.
    Sometimes there are other associations you can join too where the insurance is not too bad if the self employment insurance is too much. I cannot offer much good advice on this board, but if you want any info feel free to message me. All depends on the state too.

    WillowWisp
     

  3. 1farmgirl

    1farmgirl Well-Known Member

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    Oct 7, 2002
    Where would I go to find this kind of information for Arkansas?

    Kathy
     
  4. Association for Self-employed -- don't do it! They will raise your rates regularly until you can't stand it. You don't want me to get started!

    Better to go to this place:

    http://ehealthinsurnace.com

    Select exactly the insurance you need, and nothing more.

    If you don't have any current health insurnace you can get the short term insurance inexpensively. It is said to only be for 6 months, but they will offer to renew for one more 6 month period if you don't abuse it. After that, you will find insurance for less because you are currently insured.
     
  5. Stillponds

    Stillponds Active Member

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    Sep 13, 2003
    Location:
    North Arkansas
    The wife and I have health insurance through Blue Cross Arkansas. We found it, several years ago, on http://ehealthinsurnace.com We currently pay $240 a month for a $2500 deductable each. Pays 100% after the deduction. Prescriptions are covered at 80% after a $200 deductable. The rates go up every year and we've never filed any claims. Two years ago the cost was $204 per month. Every year at renewal I search for a less expensive policy, but haven't found one yet.
     
  6. BCR

    BCR Well-Known Member

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    Location:
    WV
    Go to NASE.org for the National Association for the Self-Employed. They will have a rep call you and you can ask questions.

    It would do no good to tell you what we pay since your age, weight, selection of deductible and coverage all make a difference. You can choose to have prescription coverage, dental, eyecare, etc. or not. It is a cafeteria plan that lets you pick and choose.

    I have found that it offers each of us the best coverage and is easy to use in my area. Never had a problem using it. Premiums have risen no more than any other insurance, IMHO.
     
  7. countrygurl

    countrygurl Well-Known Member

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    Dec 23, 2002
    Location:
    southwest mississippi
    my hubby has nase o ded 0 co pay $121 per month for an accident only plan
    hubby is in great health but is self employed as a framing carpenter we need an accident plan. havent use it yet by regular ins. was way more than what we could afford, also belonging to the assoc they have great benefits for small business owners. had this policy for about 1 yr
     
  8. OD

    OD Well-Known Member

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    May 25, 2004
    I sent in an ad. that I had gotten from NASE last month, & the rep came out last week. What he offered was $38 a month more than we are paying now & the deductable was $500 higher than our present insurance. Also there was no office co-pay & no prescription card. I could have lived with a few less frills than we have now, but not if I had to pay more for it.
     
  9. Ken Scharabok

    Ken Scharabok In Remembrance

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    May 11, 2002
    Robert and Yvonne Hardy in IN are going to switch to insurance through NASE in the near future. Ynonne is working a part-time job pretty well solely since she could get their health insurance through her employer. Basically all of her net check went to health insurance. She investigated NASE and found through Robert going on the IN Supplemental Program (since he has a prior health condition which makes him uninsurable through other programs) and putting herself and two kids on NASE, they will pay about the same. However, it gives them the opportunity not be be tied to her part-time job if they can find a source of homestead income for her to pay the insurance.

    She also noted her employer's program cost more than some others because the workforce was mostly women, who have higher overall health care cost then men. This put them in a higher pool for insurance premiums. With NASE the pool is more male oriented - thus a lower base.

    Insurance costs are going up regardless of what program you go with.

    Ken Scharabok