The self employed enjoy many lifestyle benefits by being their own boss, and most say it is their freedom what they enjoy most about self employment, but when asked what they like least, they say it is the high cost of health insurance. The biggest problem with self employed health insurance is that these are generally individual policies, not group policies, which gives the insurance company the option to raise the premiums in case of a catastrophic illness or claim. There are options, however, to make paying those high premiums easier, however, for self employed health insurance buyers.
There are several alternatives for self employed people from companies that provide really terrific self employed health insurance; these policies are written as group policies, so when big claims are made, the individual's rates cannot be raised. There may be annual premium increases, but the rates are stable throughout the year, which is very good news for the self employed. One of the companies who provide this is Aetna Health Insurance, and the other is an association which the self employed can join to get health insurance benefits, as well as other types of insurance.