As far as I know, there really are not any good and affordable options out there for self employed people or small businesses like us. I could go on a big rant about this but I will try not to!
When I looked around a few years ago and did some research, I found the only option for GROUP insurance under the current laws which restrict our associations from forming a group like any corporation can, was through NASE-National Association for Self Employed.
This was the only GROUP policy I could find at that time. Does anyone know of any others? It is expensive, like any insurance, but at least it does not keep going up by very much each year like it does with an individual policy. They (MEGA), like most insurance companies, try to not pay out as much as possible, so that can be a hassle. But I felt the fact that they can not single you out and cancel your policy like an individual plan could was a HUGE plus. Can you even imagine getting ill....and it would already be a hardship not to be working because if we do not work, we have no chance of getting paid.....but then your insurance company decides to cancel your health insurance ***because they can***...and then you not only have no income, but no health insurance and NO insurance companies willing to take you on because now you have a pre-existing condition? And it happens all the time!
I am also wondering if anyone knows of a good Dental Policy let me know, because this one is the pitts...it hardly covers anything!
Does anyone else think this is outrageous that we can not form a group through our associations?
Has anyone else seen Michael Moore's movie about this, called Sicko?
It is a sick situation, for sure! So stay positive and stay healthy:-)