Did you know, about 50% of the US population is protected by health insurance through work and 35% is covered through a public health plan. While the Affordable Care Act, also known as Obamacare, increases coverage options for many people, Entrepreneurs find it increasingly difficult to obtain affordable health insurance. If you are an entrepreneur and in good health here are some alternatives.
Minimum Essential Coverage
These plans provide preventive health care services that are required under affordable care laws and individuals who register in this plan are exempted from not having health insurance because they provide the minimum essential coverage required by health law.
This package includes doctor fees, laboratories, and other diagnostic services needed based on age and sex as described in the health care law. Premiums are around $ 100 - $ 150 for this type of package. However, they will not cover services for illness or injury.
Health Package Unbelievable
This type of plan provides benefits for medical and hospital costs. However, they do not provide all conditions under health laws such as preventive care, pregnancy and mental health. These plans exclude coverage for pre-existing conditions or establish a long-term waiting period before existing conditions can be covered.
Although these types of packages will not help you avoid tax penalties because they do not have coverage that can be credited, they can be purchased in addition to the Minimum Essential Protection Package. With that combination, the person can obtain preventive benefits, add medical and hospital services for illness or injury and avoid tax penalties.
This plan is more affordable than the Obamacare plan and can be a good alternative for healthy entrepreneurs and unable to buy coverage that can be credited through their employers or the Federal Market. Premiums are in the range of $ 200 - $ 1,000 for this type of package depending on the service you want to include in your coverage.
Health Cost Sharing Plan
These plans are offered through groups of individuals who share religious-based values. Even though members do not have to be part of a particular religion, they are committed to a healthy lifestyle, good health habits, and believe in helping others. Members have reciprocal agreements to share other medical expenses. This means that healthy members pay the costs of members who need health services due to injury or illness.
This package is not supported by an Insurance Company and not insurance. This means that medical expenses are borne if a member's contribution is enough to pay. People who are members of this plan are excluded from paying penalties for not having health insurance because of their religious beliefs. Premiums are in the range of $ 200 - $ 1,000 for this type of package depending on the service you want to include in your coverage
source: assurnet.biz
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