Florida residents which are self employed and searching for health insurance have quite a few options. Take note that based upon your age, your health, and other things unique to your situation there is not any hard and fast rule about which choice is most appropriate for you. But, there are a few general guidelines which can allow you to produce the Florida self employed health insurance choice. The initial Florida health insurance choice available to the self will be to make an application for a single health insurance plan. The advantage to applying for an individual health insurance plan is that health insurance prices in Florida are extremely aggressive. The drawback to trying to buy an individual health insurance plan in the state of Florida is that you need to be healthy. Based on fl legislation, a health insurance carrier may decrease your application to an individual health insurance policy according to previous medical background pre-existing states, height and weight limitations and other wellness related standards.
That means when you have diabetes, cancer, weight issues, or a multitude of other bodily ailments then you will be denied coverage using a Florida person health insurance plan. Any unscrupulous broker that attempts to tell you otherwise would be virtually whatever product he or she’s attempting to sell you as health insurance when actually it is most likely a discount medical plan or a health insurance indemnity program with very limited policy. The next Florida health insurance alternative available to the self would be to make an application for a Florida group health insurance program. Any type of two employer/employees or more is deemed qualified for a Florida group health insurance. if it is only you: 1 self employed individual working as a sole proprietor in the state of Florida then you have got a different choice open for you – see option 3 below. The advantage to applying for a Florida small group health insurance plan is that those specific health problems that could indicate an automated drop on the person health insurance side would not indicate an automated drop on the category health insurance side.
The drawback to trying to buy a group Health Insurance Florida policy is that it may be pricey. Consider it in terms of: the more potentially unhealthy people that the insurer must provide health insurance to group health insurance the higher the premiums will be compared to in which the insurance provider may pick and choose who they will accept for health insurance individual health insurance. The third party Florida health insurance alternative available to the self is for the ones that are currently working as a sole proprietor. Florida self employed sole proprietors are able to apply for a Florida issue group health program. The Florida guaranteed dilemma small group health programs has an open registration period only throughout the month of august.