Scan Medical Insurance

I am a self employed web site designer. Do you know of an existing group health insurance plan I could join?

I'm specifically looking for small business advocacy groups or home based business associations or trade associations or other associations I could join that offer group medical insurance to their members. I am already aware of COBRA (mine is running out and cannot be extended or converted to a private policy). I am also aware of my state risk pool. I have one family member who is not employed. We both are healthy but have preexisting conditions that have stigmatized us as far as individual medical insurance goes. I can't form a group for my business because I'm the only one and my state requires two full-time employees to form a group and my family member can't work in my business. As you can see I've already done quite a bit of research -- I just could use some help identifying business organizations, trade associations, and other organizations that would have a group medical insurance plan I could get into. I live in Missouri and I'm web site designer and developer although I'm also a freelance professional writer.

Public Comments

1. Yeah, it doesn't work that way any more. That method is about 15 years out of date. Any group you join, will let you apply, and your application will STILL be individually underwritten and rated - it's not a "group" policy. See, what happened, is that if the average group rate was $400, people who could get health insurance cheaper, would leave the group, and the people who had to pay more, would join. So then the average group rate went to $500, and people who could get it cheaper would leave, and people who had to pay more would join. It was just a great, big spiral - NOT a true "sharing of cost". It would always skew so that the rate was NEVER adequate for the group.
2. possess as much information as you could maybe is one of the options,however it is quite time consuming,here http://www.HealthInsuranceIdeas.info is the resource i have ever had good experience.
3. healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.