Self employed insurance in Minnesota

If you’re a Minnesotan who’s recently taken the leap into the world of self employment, you’ve got a lot on your mind. One of the most pressing concerns may be affordable health insurance for you or your family: Which kind should you choose? And how do you afford the premiums when you don’t have an employer picking up much of the tab? You’re not alone with these questions. Roughly 17 million Americans (not including seniors) buy their own health insurance*, whether they’re self employed or work for employers who don’t offer health plans. You can get an idea of cost with a free, no-obligation quote.

Affordable health insurance for self-employed people

For starters, premiums for health insurance may be tax deductible if you’re self employed (check with your tax advisor). In addition, there is a range of low cost plan types to choose from, whether open access (see any doctor you choose) or preferred provider and health maintenance organizations (limited networks), and prices can vary. You’ll also find a range of cost-sharing and deductible options. Consider what you need from your health insurance plan. Do you have a health issue? Are you looking for coverage for routine preventive care? Or can you afford to pay for doctors’ visits but want coverage for major medical expenses? If you’re healthy overall, consider a policy with a higher deductible – this can keep monthly premiums lower.

Health plans for self-employed people from a name you know

Blue Cross and Blue Shield of Minnesota offers a range of low cost plans for your family and business. The company’s newest product, Simply Blue, even includes a special feature not generally available with other plans: it pays for the first $500 to $1,000 (depending on the option you choose) or care needed. You don’t start paying for care until this amount has been reached each year. This is different from other plans, where you need to meet a deductible amount (what you pay before the health plan pays).

Self-employed options for low-cost health insurance

Get an online quote for affordable self employed health insurance in MN now. Simply Blue from Blue Cross and Blue Shield is a low cost option for Minnesota health insurance plan for your family.

* Sources of Health Insurance Data and Characteristics of the Uninsured: Analysis of the March 2004 Current Population Survey, Issue Brief Number 276, Employee Benefit Research Institute, December 2004.

News and Features