Self Employed Health Insurance
Self Employed Health Insurance is available with rates 30% below the standard carrier rates. The Elite PPO plans offer 4 different plan designs for employees to choose from. Our plan offers a national PPO network and provide ACA compliant benefits. It is available to self employed business owners, sole proprietors and small groups. Call us at 203-796-5403 for a rate quote over the phone or look at or rates and benefits in the link below.
Self Employed Health Insurance plan designs:
All 4 plans are copay plans with copays for services prior to a deductible. Copays are paid for primary and specialist doctor visits, lab work, x-rays and imaging and urgent care visits. The major deductible would apply only when major medical services are needed. The major deductible levels are $3,000, $500, $350 and $0. Copays amounts vary based on the plan. Copay levels and all benefit details are in the link below.
Self Employed Health Insurance rates:
Rates for the Elite PPO $3,000 plan are not based on age. As a result, rates are the same regardless of the applicants age
- Single – $548.00 month
- Emp/Child(ren) – $898.00 month
- Emp/Spouse – $1,022.00 month
- Family – $1,298.00 month
ACA compliance and Minimum Essential Coverage benefits:
All 4 Elite PPO plans are ACA compliant plans that meet the Minimum Essential Coverage requirements. (MEC) This means the plans have all the mandated preventative benefits required by the ACA. They will also waive the penalty for not having health insurance. This is know as the Obama care penalty.
Self Employed Health Insurance Network:
All 4 plans use national PPO networks. The Elite PPO 3,000 plan has the Cigna national PPO network. The other 3 plans use the MagnaCare national PPO network in NY and NJ and use the First Health national PPO network.
Want to see how the Elite PPO rates compare to those of other companies? We have provided links to other plans, rates and agencies below. You can check for yourself and then let us know when you want to talk.
Healthcare.gov website and rates for Self employed health insurance: CLICK FOR SITE
Humana website for self employed health insurance: CLICK FOR SITE
United Healthcare site for self employed plans: CLICK FOR SITE
Cigna site for self employed health insurance plans: CLICK FOR SITE
Ehealth Insurance site for individual and families (includes sole prop business owners) CLICK FOR SITE
Careful Cents website for “Best options for self employed freelancers” CLICK FOR SITE
Enrollment into the Self Employed Health Insurance Plan:
Enrollment into the plan is available the 1st of any month throughout the year. As a result, applicants can enroll in the plan without the need for a special election period