Florida Self Employed Health Insurance
Florida residents that are self employed and looking for health insurance have a number of options available to them. Be aware that depending upon your health, your age, and other factors unique to your particular situation there is no hard and fast rule as to which option is best for you. However, there are some general guidelines that will help you make the best Florida self employed health insurance decision.
The first Florida health insurance option available to the self employed is to simply apply for an individual health insurance policy. The benefit to applying for an individual health insurance policy is that individual health insurance rates in Florida are very competitive.
The downside to attempting to purchase an individual health insurance policy in the state of Florida is that you must be healthy. According to FL law, a health insurance company can decline your application for an individual health insurance policy based on prior medical history (pre-existing conditions), height and weight restrictions, and other health related criteria.
That means if you have cancer, diabetes, weight problems, or a host of other physical ailments then you will be denied coverage with a Florida individual health insurance policy. (Any unscrupulous agent that tries to tell you other wise is misrepresenting whatever product he or she is trying to sell you as health insurance when in fact it is probably a discount health plan or a health insurance indemnity plan with very limited coverage).
The second Florida health insurance option available to the self employed is to apply for a Florida group health insurance plan. In Florida, any group of 2 employer/employees or more is considered eligible for a Florida small group health insurance. (If it is just you: 1 self employed person functioning as a sole proprietor in the state of Florida then you have a different option open to you - see option 3 below). The benefit to applying for a Florida small group health insurance policy is that that certain health issues that can signal an automatic decline on the individual health insurance side will not signal an automatic decline on the group health insurance side.
The downside to attempting to purchase a group health insurance policy in the state of Florida is that it can be very expensive. Think of it in terms of: the more potentially unhealthy people that the insurance company has to give health insurance to (group health insurance) the higher the premiums will be as opposed to where the insurance company can pick and choose who they will accept for health insurance (individual health insurance).
The third Florida health insurance option available to the self employed is for those that are functioning as a sole proprietor. Florida self employed sole proprietors can apply for a Florida guaranteed issue small group health plan. The Florida guaranteed issue small group health plans has an open enrollment period only during the month of August.
Florida self employed health insurance can be a somewhat tricky area to navigate without the help of a licensed independent Florida health insurance agent. There are also many different ways to save money in taxes - one of which being the ability to deduct your health insurance premiums paid on Schedule C of your tax return against and up to your Schedule C income (Meaning that even if you don't itemize [Schedule A] you can still deduct your health insurance premiums paid all the way up to your Schedule C income!).
Get free health insurance quotes by comparing all of the top health insurance plans in your zip code - in less time than it takes to brush your teeth!
Comparison shop multiple insurance companies instantly and in real time by viewing free Florida health insurance quotes: Aetna, Humana, United Healthcare and more.
Request help from the Florida self employed health insurance experts (CPA, Certified Financial Planner, and licensed Florida independent insurance agents) by visiting Real time Health Quotes.
How to Get the Most Out of Florida Health Insurance Quotes
Are you in need of Florida health insurance for you or your family? You are, you may be required to buy your own health insu...
Florida Small Business Health Insurance
Florida small business health insurance policy is easier to qualify for than an individual health insurance policy, even if y...
Florida Small Business Health Insurance
Florida small business health insurance policy is easier to qualify for than an individual health insurance policy, even if y...
Affordable Florida Health Insurance
Affordable Florida health insurance policies are available for individuals, families, self-employed, small business, and larg...
Affordable Florida Health Insurance
Affordable Florida health insurance policies are available for individuals, families, self-employed, small business, and larg...
Florida Individual Health Insurance
Florida individual health insurance refers to the individual health insurance plans offered by the Florida health insurance c...
Florida Individual Health Insurance
Florida individual health insurance refers to the individual health insurance plans offered by the Florida health insurance c...
Florida Health Insurance Company
Shopping for an appropriate Florida health insurance can sometimes be overwhelming. If your employer does not sponsor any hea...
Florida Health Insurance Company
Shopping for an appropriate Florida health insurance can sometimes be overwhelming. If your employer does not sponsor any hea...
Florida Group Health Insurance
Florida group health insurance is designed to meet the health care needs of employees of small and large companies in Florida...
Florida Group Health Insurance
Florida group health insurance is designed to meet the health care needs of employees of small and large companies in Florida...
Florida Health Insurance
Florida health insurance refers to insurance offered by health insurance companies for the residents of Florida. The insuranc...
Florida Health Insurance
Florida health insurance refers to insurance offered by health insurance companies for the residents of Florida. The insuranc...
Florida Health Insurance Quote
Florida health insurance quote offers the consumers the information and financial flexibility they require to make a knowledg...
Florida State Health Insurance
Florida state health insurance is the best solution for people who are denied sufficient insurance coverage due to their medi...
Florida State Health Insurance
Florida state health insurance is the best solution for people who are denied sufficient insurance coverage due to their medi...
Florida Health Insurance
Florida health insurance costs can prove to be a very real obstacle to many Florida consumers that are searching for a compre...
The Minefield of Self Employed Health Insurance
You would have thought that it wouldnt be that difficult to get reasonably affordable self employed health insurance but unfo...
Florida Health Insurance Group Advocate Comments On Survey
Does Florida have the best medical facilities in the nation? Would you come to the sunshine state to have your surgery done?...
How to Shop for Florida Homeowner Insurance
Florida is one of the most popular places in our country to live. From the great weather to the numerous attractions to the a...