What is the best insurance option for self-employed Arizona residents?
Your spouse’s group plan: If you are married, this is usually a lot less expensive than buying an individual policy; plus, the additional coverage cannot be denied or rated-up because of health issues.
Guarantee-issue health insurance: If you live in a “guarantee-issue” state, you must be given the opportunity to purchase health insurance, regardless of your health background. However, in many cases you must have had continuous coverage beforehand in order to apply for it.
High risk health insurance pool:Out of the 50 states, 34 of them have started high-risk health insurance pools. These pools provide an opportunity for families and individuals to get insurance from state-sponsored plans, even if they have a disqualifying health condition. Each state’s plan varies considerably, and they may still be quite costly, but they offer a viable alternative for self-employed individuals who have pre-existing conditions.
To learn more about the various health insurance options for the self-employed in the state of Arizona, contact Anderson Insurance ServicesAnderson Insurance Services and speak with an Arizona health insurance broker.