Self-Employed Health Insurance
Being your own boss has a number of perks, but self-employed health insurance usually isn’t one of them.
It takes a great deal of hard work, sacrifice and dedication to keep operations running smoothly. To maintain the health of your business, you too must be healthy. A balanced diet and regular exercise play an important role in your wellbeing. So does access to quality health care.
It may be tempting, however, to go without health insurance. From equipment to staffing, you have a number of expenses to consider. Whether you’re just starting out or own a family business passed down from generation to generation, operating costs alone may keep you from investing in individual health insurance.
Importance of Health Insurance
Uninsured families are more likely than those with coverage to exhaust their savings or go into debt to pay for care.1 This could mean bankruptcy or the loss of your business if a major medical incident were to occur. Plus, routine expenses can quickly add up if you don’t have the advantage of a health insurance network.
As part of the UnitedHealthcare nationwide network, UnitedHealthOneSM health plans offer you a savings of up to 50% on quality health care.2 You’ll also receive 100% coverage on preventive care. This benefit encourages people to regularly visit the doctor for checkups and annual physicals. Checkups also increase the likelihood of early detection for a medical issue.
In addition, if you’re seldom sick, you can effectively lower your health insurance deductible up to 50% with a deductible credit. A 20% credit is applied to your deductible each year you do not satisfy your prior year deductible, up to 50%.
Shopping for Affordable Health Insurance
With UnitedHealthOneSM health and dental plans, you can pick from a range of self-employed health insurance options. Our goal is to help you find a plan that fits your budget. For a health and dental plan recommendation, call (800) 444-8990 to speak with a licensed Product Advisor or get an online quote. Your Product Advisor will help you match a plan to your needs. Plans include:
- Health Savings Accounts (HSAs): Combines lower-cost, high deductible health insurance with a tax-advantaged health savings account. With this plan you can take control of your health, your medical decisions, and your medical spending.
- High Deductible Health Insurance: Offers the lowest premiums of all our plans. High deductible insurance allows you to save money on your premiums while taking the responsibility of covering minor or routine out-of-pocket medical expenses if they come up.
- Copay Health Insurance: Similar to employer-sponsored plans, our copay plans give you the convenience of a copayment for office visits at a network provider. We’ll pay 100% of any remaining history and exam fees.