myth #8 You will not be able to get small business health insurance

Many people are hesitant to start a home based business for fear of living without small business health insurance. There are a lot of great benefits providers out there for people who are self-employed. Government and non-profit insurance providers are available for lower income individuals and many other insurance providers have begun offering reasonable health insurance for all self-employed individuals. The key, as with everything, is to do your research.



MY TAKE: My experience seeking benefits for myself has been that there are many companies offering insurance for self-employed individuals but there are some special considerations. Some companies insist that coverage for less than 3-5 individuals will only be offered based on the results of a physical and they may exclude pre-existing conditions from the coverage they offer. It can also be difficult to get coverage in areas such as dental, optical and for specialists such as chiropractors.

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