Allan Said:

What does anyone know about small business health insurance? How expensive is it?

We Answered:

There are too many variables to answer how much the insurance would cost, such as how many employees, their gender and ages, current health status, whether their families will be covered, and what the business is. If it is just you and/or your immediate family you would need an individual policy. Many companies will write group policies for as few as two employees but I recommend a group policy only for groups of 10 or more. The reason being; if someone in your group becomes ill and needs a very expensive medical procedure your group rates can go up dramatically (300%-400%). With individual policies that doesn't happen.

Your best bet would be to contact a local independent agent who can match you up with a company that provides the most benefits for a reasonable premium. The insurance cost the same going through an agent as it does doing it yourself, so use their expertise. If you can't find a local agent go to this website: http://www.yourhealthplanadvisor.com/oos… - type in your zip code and fill out the form and expect several agents to call you.

One word of caution. Stay away from the policies that advertise "affordable group rates" for the self-employed. There is too much dirt on these companies to go into here.

Annette Said:

Is there real site to get an instant business health insurance ?

We Answered:

I recommend you this site where you can compare quotes so you can find the best option for you

http://Cheap-Health-Insurance-USA.info

Penny Said:

Who cares if the Public Option monopolizes the Health Insurance Business?

We Answered:

Yeah they should all be run out of town on a rail. They are a bunch of blood sucking leeches that makes billions off the lives of Americans. Criminals!

Ralph Said:

Will Insurers Remain In the Health Insurance Business?

We Answered:

No they will not. The cost of premiums will rise to a level in which people will not be able to keep their coverages and need to try to enroll in the government's plan. With no one buying their coverage it cannot afford to continue in business. Insurance is one great big Ponzi Scheme anyway.


L8r

Herbert Said:

How to set up my business health insurance?

We Answered:

You need to talk to the guy that does the rest of your business insurance.

BUT, in general, with small groups (fewer than 10 or so employees) and "group" health insurance, it's going to be individually rated. So you *might* get someone to give you a group policy, but the RATE for BOTH of you is going to be astronomical - averaging your great health, and his uninsurability.