How to Get Group Health Insurance for the Self-Employed

Most employees get their health insurance through their employer. Companies usually combine policies when buying insurance, hence the group coverage. But, did you know that you can get group health insurance even if you are self-employed or the company you are working does not offer it?

Many people choose group options as it comes with a lot of benefits. There is also a lower risk of getting your coverage denied in group health insurance as compared to individual health insurance. The latter has a high rate of turn down cases as it includes a health exam and underwriting process.

With group health insurance, you may have as many medical consultations as possible. You also have a lower premium in a group coverage as the risk is distributed among the members. Group insurance also comes with lower deductibles than individual coverage.

If you’re interested, you can get a group health insurance even if you have no employer by following these two options.

1. Join a Membership Organization
You can get group health insurance through membership organizations and associations. These organizations offer group coverage to their members. But, it also depends on your state. A membership organization provides benefits and resources to people who are interested in the same cause. One of the benefits of being a member of an organization is that they offer group health care insurance.

​So, think of the groups that you may have been a part of, such as alumni association, union, or professional organization. In case you are not a member of any of them, you can search online and look for membership organizations that you think are suitable for you. Look into these organizations and find out if they are offering health insurance as part of their benefits.

2. Work with an Insurance Agent
A professional insurance agent provides the best service in terms of assessing your health coverage needs. An agent will explain different policy options, the processes, and health insurance terms.

Getting an agent to help you in buying group health insurance is more beneficial to you than purchasing coverage without one. This is because not all insurers sell their group policies directly to people. An insurance agent will also help you with the initial and yearly enrollments, administration tasks, claims, and billings.

You can still have some protection from group health care insurance even without an employer. Simply schedule an appointment with an insurance agent to get all the help you need. Roper Insurance has its clients as their first priority with affordable rates and comprehensive policies. To learn more about how we can help you please contact our agency at (828) 697-6709 or Click Here to request a free quote.