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Health Insurance Regulations for the Self Employed in Southeast Florida
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Some consider a health insurance as a luxury expense, but that is obviously not so to the millions of plan holders who have raked in the benefits of being insured when the need arises. As a person, we value our health the same way as we value our lives, this is something we need to be prepared for.
Health-care nowadays is definitely not cheap. This is especially true for self-employed individuals. It could be a lot cheaper if you get a health insurance through a group. If your type of business involves only you, alone, then expect a high cost for your health insurance policy.
Evaluate your situation at the present; compare it with these common situations:
- You are a one-man/one-woman show. In this kind of situation, your best option is to get an individual health insurance policy. You can choose between indemnity and managed-care plan.
- If you’re going solo, and that this will change in the near future (like if you’ll hire some people to become your employees), then you can get temporary health insurance plan. This type is inexpensive but a permanent health plan is still best in the future.
- If you are self-employed and have a few employees, this is rather complicated. If you have two to fifty personnel, then you’re qualified for a group health insurance plan.
- There are also self-employed persons who falls in between, say both you and your spouse run the business. This kind of situation is handled on a case to case basis.
If you’re living in Southeast Florida, then you might want to know the different regulations regarding health insurance policies.
All health insurance policies in Florida are guaranteed renewable, provided that no false information is contained in your application and payment of premiums is on time.
Though there is a guaranteed provision for renewability that prohibit insurance companies to deny any request for renewing an existing policy, Florida insurance companies can still deny an application for first time insurance applicants.
Insurance companies in Florida can impose exclusions to your policy based on your pre-existing condition, either temporarily or permanently. This refers to medical treatments/conditions that were diagnosed two years before the start of your insurance policy.
By attaching exclusion periods for pre-existing medical conditions, insurance companies in Florida won’t have to pay for the medical expenses for such condition. In cases where you are to switch a plan, your previous coverage can still be used to credit for pre-existing exclusion period.
Licensed health insurance companies in Florida were able to meet Florida’s regulations on health insurance. Being a consumer, it is wise if you obtain a health insurance policy in any licensed health insurance company.
A temporary health insurance policy is another option for a self-employed person that has plans to hire employees of his own in the near future. This temporary health insurance, otherwise known as short term health insurance are specifically designed for a policy-holder, to aid him/her through a short gap period until such time that he/she will be able to get a standard health insurance policy.
Temporary health insurance is for those people in-between coverage and should not be made a replacement for regular coverage.
Health insurance cost is also determined by your current health status. Premiums vary depending on your age, health status and other factors. Such factors may be the reason for your application to be denied. It is therefore much better to get a health insurance plan while you’re still young and in good health condition.
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