Getting self employed medical insurance is not impossible, but will be a little harder to achieve than working for a company that supplies your health benefits. If you are leaving a pre-existing job, The Consolidated Omnibus Budget Reconciliation Act of 1985, otherwise known as COBRA, allows workers to extend those benefits for up to 18 months after leaving a job. The down side: employers no longer pay their portion of the plan’s premium, which can be anywhere from 75 to 80 percent of a plan’s cost. By keeping the coverage and paying the employer portion, you’ll likely see a huge difference in what you pay for the coverage.
As with any other type of medical insurance, the amount that you choose for your deductible will help in determining the monthly cost of your self employed medical insurance. Past medical history of you and your family will probably become part of the final coverage costs. Believe it or not,
it may be possible that you will not find medical insurance in your area for the self-employed when you do the research. This is not uncommon, but just another obstacle that being self-employed will put in front of you.
Check Your Local Chamber Of Commerce For Self Employed Medical Insurance
You can check with your local Chamber of Commerce and see if they offer a medical group coverage for small business owners, sole proprietors, single entity LLC’s or any other self-employed type businesses, what will happen is you will be grouped together with other small businesses in your town or county, and you will be considered one large group much like a medium to large sized business. Normally the rates for this type of setup is about the same as if you were working for someone else, but each situation is different and check first before you make a commitment, and as always research all of the possibilities, and talking with your current insurance agent may help you find possibilities that you did not know existed.
If you or your spouse have a pre-existing condition, some states and areas offer what they call health insurance risk pools, which can provide you with the partial payment that is made by the health insurer and can help reduce the cost of the insurance. Each 
state is different in the amount that they will subsidize,so this means the amount of money that will be deducted from your payment can vary widely, but it’s good to know this exists if your state offers it.
Getting Self Employed Medical Insurance Will Take Research On Your Part
No one said that starting your own business and being self-employed was going to be easy, but if it really is what you wanted to do, than this is just a small bump in the road which you will need to know how to to overcome to live your dream of being your own boss and writing your own schedule, and get to spend more time with your family and less time doing a job you don’t enjoy.
Be sure to do all of the research ahead of time before you decide on your self employed medical insurance plan because of the current Health Plan in place in the United States, you may be able to get some help or tax credit with your monthly premiums.
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