If you are a small business owner and you need to purchase health insurance, you may be surprised by how much a policy covering just you can cost. If you need to find a plan that also covers your family, the cost may be even higher. Because of rising health insurance premiums, restrictions about how much coverage you can receive due to pre-existing conditions, and other rules, many small business owners are unable to afford basic health insurance. If you have a small business that employs a few people, you may not be able to offer health insurance coverage because the premiums are too high.
You have a few options, however, when it comes to health insurance coverage. There are smaller companies that offer plans with higher deductibles or those that cover hospital stay and other emergency care, but do not cover routine check-ups and other appointments. Some plans cover these doctor visits, but require you to pay a higher copay. Even though these plans are not the best, they may be enough to provide you with adequate coverage until you begin earning more money or if your business grows.
If you have employees and want to offer them health insurance, you can sign up...
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