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Lower Your Health-Care Costs

Posted by: Rod Kurtz on December 5, 2005

Health-coverage costs are rising past the point where micro-business owners can afford them. According to a recent survey by the National Association for the Self-Employed, 51% of micro-business owners did not offer health coverage to their employees or have it themselves. But there are things entrepreneurs can do to bring their costs down.

Micro-business owners should:
• Educate themselves on where to find health coverage, how it works, and common insurance terms

• Look into options offered by trade associations, since many offer members discounts on health insurance

• Contact their state’s insurance commission for resource guides or information on which companies provide individual or small group insurance in their state

• Use the Web to find guidelines on purchasing health insurance and sites that offer free quotes, letting users compare different policies

• Become smart shoppers, and buy only the coverage that fits their specific circumstances

• Analyze their health risks, and decide which risks to keep and which risks to give to the insurance company

• Become actively engaged in advocating for solutions to the health-care crisis by contacting their local, state, and federal legislators

Robert Hughes
National Association for the Self-Employed
Grapevine, Tex.

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