Self employed Health Insurance Problems

Self-employed sole proprietors along with small business entrepreneurs are about to face a daunting difficulty with the rules, laws, and regulations woven into the health reform bill that was passed in March 2010. Many of the new mandated rules will apply to established small businesses that have fewer than fifty employees, but the new sole proprietor is left out of the loop.

When the new self-employed proprietor begins the search for affordable self-employed health insurance, they will be running head-on into a brick wall. The new insurance regulations will not permit them to purchase any type of group insurance and the individual health insurance coverage will cost more than what they can afford.

When you add a handful of employees, which are usually family members and close friends the task becomes next to impossible. These are the creative self-employed individuals who will be led into the government-run single payer system, which is what the government wanted to offer for insurance services from the beginning.

This new type of universal health care coverage will come in the form of state-run insurance exchanges, which will offer a low-cost health insurance policy to you based on your current income. Of course, you will need to provide documentation that what you are presenting is factual and current or you will be turned away.

Another consideration for the sole proprietor and self-employed is when there are one or more pre-existing health conditions that will cause the state health insurance exchange to refer you to a higher, less affordable insurance policy. This will only cause more difficulties than what you are already facing.

The united healthcare system is being turned upside down and in a few years will be unrecognizable to the average citizen. There will be very few choices and most citizens will be directed into the government-run single-payer health system when all is said and done. Will this be the pathway to an improved version of individual care? Will we the people be left with a watered-down version of the health care system we once took for granted?

The state insurance exchanges that will be presented will help you locate an insurance policy that fits the needs and requirements of every individual, but they will offer very little about improved care, as we know it. These state-run insurance exchanges will only help you locate an insurance policy, but actual care will be another story.