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Cheap Health Insurance: Health Insurance Quotes for Self-Employed Individuals Posted: October 14th, 2009

By Kelly Richardson

Kelly C. Richardson, MEd is a freelance writer with over 15 years of experience and a digital entrepreneur. He's written for Fortune 500 companies, Google, Yahoo!, Microsoft and Wells Fargo.

Walk in any room and say "health insurance quotes" and you're liable to start quite the heated discussion. For entrepreneurs and the self-employed finding cheap health insurance can be a nightmare. Here are some tips to help.

The 411 on Health Insurance Quotes: How to Find Cheap Health Insurance Online

Healthcare continues to be a watershed topic in the development of President Obama's administration. Despite bold initiatives, the fact remains that finding cheap health insurance for self-employed individuals and small businesses is difficult at best.

The State of Health Insurance 2009

According to The National Coalition on Health Care, rising health care costs correlate with significant drops in health insurance coverage. As you might expect, the primary reason people are uninsured is the escalating cost of health insurance coverage. Here are a few other startling facts from the NCHC with respect to the country's health insurance woes.

  • 62 percent of all bankruptcies filed in 2007 were linked to medical expenses
  • 1.5 million families lose their homes to foreclosure every year due to unaffordable medical costs
  • Over the next ten years, small businesses will pay nearly $2.4 trillion dollars in healthcare costs
  • 178,000 small business jobs will be lost by 2018 as a result of healthcare costs
  • Over then next ten years, $834 billion in small business wages will be lost due to high healthcare costs

Finding the Cheap Health Insurance

Jean Chatzky, editor-at-large at Money magazine and AOL's official Money Coach, offers these consumer-savvy tips for finding cheap health insurance if you're not eligible for a company-sponsored policy.

  • Define Your Priorities. Do you have to see a particular doctor? Are low co-pays important to you?
  • Use an Insurance Broker. These folks do much of the legwork and present you with health insurance quotes to choose from
  • Use the Free Look Option. This is a trial period guaranteed by law that allows you to "test drive" your new policy
  • Go Health Savings Account. An HSA offers a high deductible, low premiums and an investment vehicle for money you don't use
  • Always Negotiate. This challenging economy is a buyer's market; shop around your business for the best price and lowest rates

The bottom line is that you have more options for cheap health insurance than you may realize. The Internet could be your best resource for accessing several health insurance quotes in a short amount of time. Because every minute you're uninsured is another minute left to chance.

Kelly Richardson

Kelly C. Richardson, MEd is a freelance writer, marcom consultant and digital entrepreneur. He's written content for Fortune 500s Google, Yahoo!, Microsoft and Wells Fargo.