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How to Buy Health Insurance - Self Employed

Is having a high deductible plan in order to keep premiums low a good thing?

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  • eHealthInsurance
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    eHealth, Inc. is the parent company of eHealthInsurance Services Inc., the leading online source of health insurance for individuals, families and small businesses. eHealthInsurance presents complex health insurance information in an objective, user-friendly format, enabling the research, analysis, comparison and purchase of health insurance products that best meet consumers' needs.

    Licensed to market and sell health insurance in all 50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 160 health insurance companies, offering more than 7,000 health insurance products online.

    The company's technology platform is able to communicate electronically with insurance carrier partners, which enables a simpler, more streamlined health insurance application process. This technical connection with the back-office processes of health insurance companies can facilitate rapid approval of applications and real-time communication between carrier and consumer throughout the process.

    eHealthInsurance provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit options, complemented by a full-service Customer Care Center of highly trained customer service representatives. Available via a toll free number, online chat, email or fax, the Customer Care team answers consumer questions throughout the process of buying and using health insurance.

    eHealthInsurance was founded in 1997 and its technology was responsible for the nation's first Internet-based sale of a health insurance policy. We are headquartered in Mountain View, California.

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  • Is having a high deductible plan in order to keep premiums low a good thing?

     

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  • Transcripts

    <p>Host: Is having a high deductible plan in order to keep premiums low a good thing?</p><p>Bob Hurley: Most self-employeds are looking for a way to manage their expenses. They typically have a lot of things going on. They want to keep their monthly premium as low as they can keep it on their health insurance. I want to applaud them for getting a health insurance but they also want to keep the monthly premium as low as they can and so high deductibles is a good way to go rather than buying $250 deductible or $500 deductible which by the way, works very much like car insurance. Many of us buy car insurance all the time and we totally get how deductibles work and our car insurance will have $500 deductible or $1,000 deductible. The same things implies with health insurance. The more you increase your deductible, the lower your monthly premium is going to be. So absolutely, a higher deductible health insurance plan is a good way to go to save money on your monthly premium, it protects you from those larger catastrophic types of losses. Certainly, if you end up in hospital from a car accident or just from a health condition, you are going to have the coverage you need. But in meanwhile, you are keeping your monthly premiums as affordable as they can be as you are building your business. </p>

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