One of the biggest disadvantages of having your own business is having to purchase your own health insurance. You no longer work for a company that supplies that perk to you and your family. Shopping around for health insurance is no fun either. When I had to do that task the first question I had to ask each one of them was, "is my local hospital on the list of preferred health providers?". That one question eliminated most of the health insurance companies right off the bat. Of course my next question was. "is my current doctor was on the list?" Since I live in a very small community it was important to me not to have to travel more than an hour to see the doctor. After those 2 questions were answered I was down to 3 companies to choose from. next is to check and see if medical supplies and prescriptions are covered and what is the deductible.
The all important issue of money - how much were the monthly premiums and what did they cover was the deciding factor in the end. I did find out that my premiums were largely based on my age and not my health. My age bracket shot my premiums up so high that I had to opt for a higher deductible. With the higher deductible the health insurance monthly premiums became more affordable to me. See I told you that shopping for health insurance is not easy, but with the right help you can do it.
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