Self Employed Health Insurance
With self employed health insurance the employer has the option of choosing between a group or individual health insurance plan. Either way both are tax deductible, as long as the premiums are being paid though the company. Also, both coverages will adhere to the benefits an employer is looking for.
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Individual Health Insurance Self Employed
An individual health insurance plan for a self employed person is the option recommended at EasyToInsureME. The reason is because there is usually a thirty percent reduction in premium when switching from group to individual plans. It used to be opposite. Group used to be less expensive than individual. This is not the case anymore.
Group Health Insurance Self Employed
Group health insurance plans for self employed will allow the employer to fully customize the coverage. Also, it will allow them to be guaranteed coverage. No person can be declined coverage on a group plan. This doesn’t mean that a self employed person who takes prescriptions for high blood pressure or even diabetes cannot get an individual health insurance plan. It is simply a safe guard that if they do get declined for individual for self employed than they can always move to a group plan.
Employee Health Insurance
Employee plans are also tax deducible on either of these plans. The individual is a great option for employees as well as self employed because it allows everyone to choose their own plan and the benefits they want. Where as on a group health plan only two options can be chosen.
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