For the newly self employed, health insurance is a major consideration. If you do not prepare for those unexpected health disasters, you could be in for a major financial setback or worse. Whether you live in California or Georgia, obtaining the right coverage is critical in the early stages of your self-employment.

When you start your own small business or become a solo professional, you need to think about replacing the function of your former human resources department at your previous employer. It is a real challenge to play so many different roles but it is a reality in the business world that you must accept.

What should you look for in self employed medical insurance? I would advise seeking out a general coverage plan that includes most if not all of your former benefits. You need to think about the deductible you think is affordable for you and your family. You also need to think about how much you want to pay for emergency room services and prescription drugs.

Of course, no one can plan for absolutely everything so you need to plan as well as you can, setting your target for the most economical and comprehensive health insurance plan you can find. There are so many websites out there today that make this process simple and straightforward for you.

What is the best free health insurance for self employed individuals? That is a great question! I am positive that free health insurance does not exist, but I suppose it does not hurt to search online for it. You never know. Probably the best route is to search government or local websites for information about that type of coverage.

With so many other self employed benefits, try not to let the health insurance obstacle slow you down. Yes, searching for an affordable premium, completing paperwork, and talking to customer service operators is going to take time away from your busy schedule, but it needs to be done and as soon as possible.

You might also consider contacting local business startup organizations for help with the process just to be sure you've covered all your bases. Since self employed insurance is very different from state-to-state, this is a good idea. Laws, premiums, and systems may be in stark contrast between Indiana, Rhode Island, Wisconsin, New York, Pennsylvania, etc. You never know what exceptions might exist in each state (or what extra benefits or special programs might be available).