For most people, group health insurance is obtained through their employer or their spouse’s employer. But what do you do if you are self-employed or your company does not offer a group health insurance policy? Individual health insurance plans are much more expensive, and due to the medical exam or questionnaire requirements, you may not even qualify for coverage. Don’t worry–there are still options available to help you find a group health insurance policy.

First, remember that each state’s laws vary for group health insurance, whether for large groups, small groups, or self-employed persons. If you have any questions about your state’s coverage requirements, check with your state insurance regulatory department for more specific information.

Trade Organizations

Consider any professional or trade organization you belong to, as well as any others you could join. These organizations often offer a group health insurance option, helping you obtain better rates than you could by yourself. You can also check with your local Chamber of Commerce, because they may offer a group health insurance policy to members. Other similar options include your social or civic groups or union coverage.

Group of One

Usually group health insurance policies require at least two members; however, for self-employed persons without any employees, some states will allow you to qualify for group health insurance by yourself, considering you a “group of one.” Check your state’s definition for group coverage to see if you qualify.

Shopping for Policies

If you are responsible for obtaining your company’s group health insurance policy, you can easily comparison shop online. You can compare the costs to your company as well as benefits to your employees, letting you find the coverage that best balances the needs of both.