What type of health insurance should I get if I am self employed?

Question by Nean: What type of health insurance should I get if I am self employed?
Hello I am a healthy female in my early thirties and a non smoker. I need to find decent health insurance that you would get from a good employer. I am new to this and dont understand what I need to have covered for health insurance. I am looking for some good advice and any suggestions. Thank You
P.S- Is it usual that health insurance does not cover maternity?

Best answer:

Answer by mbrcatz
Since the health reform act, insurance companies have pretty much stopped selling maternity coverage. When you CAN buy it, it’s about $ 300 a month extra, and most of the time you have to purchase it a full year becoming pregnant, for it to cover. So yes, it’s normal for maternity to NOT be covered, under an individual policy.

You’re not going to get the same kind of coverage that you would through an employer. On an individual policy, they can exclude coverage for stuff already wrong. If you ARE currently pregnant, you’re uninsurable on an individual plan until after the baby is born (just sayin’, because 95% of the women who mention interest in maternity coverage here, are ALREADY pregnant).

For good advice that’s valid in YOUR area, you should talk to a local agent near you. They’ll know what state you are in, and which deals are best – and they can help you balance coverage and cost to find what you can afford, and they’ll EXPLAIN how it all works. You won’t get that from an online website.

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