Living with Diabetes
Health Insurance Options for Self Employed or Small Business Owners
The following options are available to you.
Employer-Sponsored Coverage
The most common way that Americans get health insurance coverage is through their employer. Federal and state laws have provided employees numerous consumer protections.
Individual Coverage
Individual health insurance policies may be an option for people who do not have access to job-based coverage. Some states offer individual coverage to all persons regardless of their health status.
High-Risk Pools
Currently, over 30 states offer high-risk pools as a health insurance option for persons who are otherwise unable to qualify for health insurance coverage.
Prescription Assistance
Most pharmaceutical companies have established patient assistance programs to help uninsured individuals get the medications that they need to stay healthy.
Groups of OneIn some states, self-employed persons and small business owners can purchase a group health insurance policy that will cover just one person.
If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free to patients or require a very small fee. Find a clinic in your area.
