Group Health Insurance Plan – How You Can Get One!

Regardless of health, age, and financial situations, everyone needs health insurance. Good health is guaranteed, and health emergencies have a knack for appearing at the most unexpected and inconvenient times. However, health insurance is not always simple to come by. Most employers provide health insurance as an incentive to work for and continue working for them. These health insurance benefits usually fall under a group health insurance plan. Unfortunately, there are no state or federal laws that require employers to offer health insurance to their employees and some employers do not. Still, employees and self-employed people can find group health insurance.

A self-employed person or an employee who can not purchase health insurance plans from their employers should compare information such as policies and prices from several group health insurance plans. Group health insurance plans that are not available through an employer can be purchased through an association with which a person is affiliated. There are states that will allow a self-employed person to purchase health insurance at group health insurance plan rates under a “group of one” plan. The rates for “group of one” insurance plans are much lower than the rates of individual health insurance plans.

However, there are also states that do not allow “group of one” plans. If this is the case, the employee or the self-employed person can look into a health plan through an association to which they are affiliated. Many trade organizations offer association group health insurance plans. The downfall of these health insurance plans is that the insured person’s state department of insurance most likely will not be able to assist with any disputes the insured person may have if the health plan is based in a different state.

Although having an employer who offers a group health insurance plan is nice, it is not always possible. When this happens, people can do some research and usually find group health insurance individually or through an association.

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By: Elizabeth Newberry