Owning your own business puts responsibility for your health insurance on you, and there are a few options for self employed health insurance that is as good or better than what you can get from a major employer. I just heard a report that the average employer pays over $9,000 for each employees' health coverage, and that is a huge amount. The majority of small business owners probably could not afford to pay that much for their employees, but there are programs out there that offer self employed health insurance at pretty affordable rates.

These plans are part of an association for the self employed, and they offer affordable health insurance by having the small business owners join an association that offers other benefits, pro bono, as well. This company buys group health insurance from a number of providers, and with affordable health insurance as a group member, the providers cannot single any particular person out for outrageous premium increases while the policy is active. Premiums will go up annually, but just at a group rate, so if you need to make expensive claims, you do not need to worry about your policy rates hitting the roof.