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If you are a work at home Mom or maybe even a work from home Dad, you might have the benefit of having health insurance through your working spouse. Or you may be lucky and be able to have that stay at home job with a company that gives you health benefits.

Not everyone is so lucky and many people who have work from home jobs are really self employed. If you fall under the category of working for yourself, you undoubtedly have or have had the dilemma of where to get quality health insurance for self employed people. I have written about the many challenges of being self employed, and finding self employed health insurance is only one of them. We all need health insurance and finding it yourself when you are on your own can be a challenge.


Before you read further, if you are looking to find the best health insurance rates, there are several places you can go. The first is where they will give you free quotes from all the major insurance companies including Aetna, Humana, Assurant Health, and Uni Care. The second place is NetQuote where they will also give you the best health insurance quotes quickly and they are free as well. It would be interesting to compare the quotes that you get from the two of them to see if they are the same.


The big debate in politics for the last 10 years or so is whether to nationalize health care. Many people feel that heath insurance and health care is a god given right and the government should take it over. The problem with that is that the government is usually a failure at whatever it does. Is the government social security system a success? No, as it will be bankrupt before I have the chance to get any of my money back. Are the government programs to help the poor a success? No, as we have just as many poor people as we ever have had. Does the government do a good job in times of tragedy? I think the victims of hurricane Katrina would answer no to that.

The only thing the government does well is to police the nation and to defend our country. Of course even that will have many people in disagreement. Why then should we ever attempt to nationalize health-care? If the government fails at almost everything it does, why on earth should we hand over the whole health care system too? The United States right now has the best health care in the world and this is evidenced by the fact that many people fly here to have their operations done. If you are in trouble health wise, the US is THE place to get the best doctors and care.

If the health care system were nationalized, finding health insurance for self employed would no longer be a problem. We would all have access to health insurance and health care but what would be the quality of that care? Right now, people in Canada and Britain have to wait in line for their health care. Do you want to wait in line to see a doctor? Waiting in line is OK at the supermarket but not at a doctors office or hospital.

It is true that some people have trouble finding quality health insurance and especially self employed health insurance. However, the system works for most of us and we do have the best health care in the world. Why would we jeopardize that? If we did nationalize it, more people might have access to it but the quality would go down. There is always a price and no system that will work for every single person.

The bottom line is that there is no perfect system where everyone will have the best health care at a price they can afford. Nothing in life works that way. America was born by people who wanted to limit the influence of government in their lives. I say, if you want government health care and health insurance, move to Canada or Great Britain.

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  • 1

    You are an entrepreneur, implying that you take care of a small business of your own. You could be an individual without employees, or you could be leading a small team of workers. Whichever is the case, it is imperative that you will give a serious thought about purchasing your own health insurance. For many self employed health insurance businessmen, offices, cars and PCs are generally priorities for insurance, but many entrepreneurs overlook their own health, their most valuable possession. With a little bit of earthly wisdom you can buy your own peace of mind. People who work for themselves, have the responsibilities of running the whole show. For example, they will need to be constantly innovative regarding the current situation and the future prospect of their business. Should they fall ill, it will be too late to look for coverage. The most important thing to remember is that health insurance should not be an afterthought. If you look for coverage, start now.

    Amy Roberts on October 16th, 2008
  • 2

    The use of HSAs (Health Savings Accounts) is also an idea to be considered. I have one, and it has worked out well.

    Ed Harris on November 14th, 2008
  • 3

    I am agree with Amy Roberts. I am Spanish. Here if you run a business of your own, you have to pay for everything, but your rights are very few. Buying insurances of this kinds are a must.

    Jenn on November 26th, 2008
  • 4

    I am also a small business owner and having the proper coverage is very important. I am also a big of the HSA plans which have become very popular. As a business owner if you get sick or hurt and can’t recover then in most cases your business will go under.

    Ryan on December 15th, 2008
  • 5

    The tough thing is deciding just how much insurance I want to pay for. I mean, I 26 and healthy so I merely have the disaster insurance w/ a high deductible for big operations and stuff. It gets really expensive to pay for full insurance on your own; especially as you get older.

    Monica on January 2nd, 2009
  • 6

    The things are different here. You get a very vibrant business environment. The government supports all the busienss ventures. The trade is full blown. The insurance benefits are excellent as well.

    colon cleanse on January 7th, 2009
  • 7

    Post is really great! Thanks for info, have got the similiar problems, as own a small business

    Kennie on March 17th, 2009
  • 8

    It is also important to shop your health insurance coverage around from time to time. Whether group or individual, you can usually secure better rates by changing.

    Health Insurance Guy on May 8th, 2009
  • 9

    The use of Health Savings Accounts is also an idea to be considered. I have one, and it has worked out really well.

    Colon Cleanse on June 23rd, 2009
  • 10

    Don’t forget that finding a health insurance agent who knows all about the issues within your own state, and who knows all the different cost saving options like HRA, HSA and supplemental plans.

    Dan H on November 5th, 2009
  • 11

    As an online health insurance broker I am convinced that we are unfortunately left with only one option which is a single payer (which will put me out business by the way).
    We can no longer afford to give great care to a few (the rich mainly) while giving sub standard or no health care to everyone else. Not to mention a single payer system will lower our costs dramatically from where they are now and more importantly from where they are going.

    jeremy e on November 7th, 2009
  • 12

    Health Savings Accounts are an often overlooked option when it comes to reducing clients overall expenditures on health insurance. Education is paramount!! Ignorance tends to be expensive $$$$. Independent Health Insurance Agents can educate their clients and find the best value available for their individual budget, short and long term.

    Marc H on November 18th, 2009
  • 13

    I agree with Marc that Health Savings Accounts are often overlooked. Not a good thing, but it happens.

    Donny Ve on January 31st, 2010