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Thousands of people in the United States would be self-employed if they had an affordable means of health insurance. Entrepreneurs, freelancers, home-based workers are all self-employed and are all put at a severe disadvantage because of the high cost of health insurance for the self-employed. At self-employed insurance 411, we seek to offer resources that can help self-employed workers find insurance that is affordable and quality. Medical insurance for the self-employed is more than a small issue. It could be a key barrier to the entrepreneurial spirit that drives the US economy.

How much does health insurance cost?

Premiums for health insurance vary widely by state, directly affecting self-employed workers. California tends to be near the bottom and New Jersey tends to be near the top of the price range (there can be as much as a 400% difference between top and bottom state averages). The average national premium for a 30 year old single individual is around $200 per month. For a 40 year old with 3.39 members in their family the average monthly medical insurance premium is around $350 per month average.

It is important to remember that self-employed insurance should never be 'optional'. Whether or not you have a family, it is important that yourself, your business, and your next of kin are protected securely with insurance. It is also worth looking into long-term care insurance. Select providers have fully deductible insurance. Do not risk being without insurance. The amount and type of insurance depends on self-employed individual's taste, lifestyle, budget and appetite for risk. Health insurance for the self employed is attainable, educate yourself and find out.

Because insuring THEM and THEIR medical costs is what really matters...


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