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What type of health insurance should I get if I am self employed?

Hello I am a healthy female in my early thirties and a non smoker. I need to find decent health insurance that you would get from a good employer. I am new to this and dont understand what I need to have covered for health insurance. I am looking for some good advice and any suggestions. Thank You P.S- Is it usual that health insurance does not cover maternity?

Public Comments

1. Since the health reform act, insurance companies have pretty much stopped selling maternity coverage. When you CAN buy it, it's about $300 a month extra, and most of the time you have to purchase it a full year becoming pregnant, for it to cover. So yes, it's normal for maternity to NOT be covered, under an individual policy. You're not going to get the same kind of coverage that you would through an employer. On an individual policy, they can exclude coverage for stuff already wrong. If you ARE currently pregnant, you're uninsurable on an individual plan until after the baby is born (just sayin', because 95% of the women who mention interest in maternity coverage here, are ALREADY pregnant). For good advice that's valid in YOUR area, you should talk to a local agent near you. They'll know what state you are in, and which deals are best - and they can help you balance coverage and cost to find what you can afford, and they'll EXPLAIN how it all works. You won't get that from an online website.
2. Look for an insurance that would cover your hospitalization, laboratory exams, even physicians visits. There are a lot of insurance company that has a very limited coverage. If it's possible to get a premium one the go get them. You can ask someone or agents from an insurance so you could decide what plan to choose.
3. It is usual that health insurance that is not obtained from an employer does not cover maternity. Some health insurance obtained from an employer covers maternity. Some health insurance obtained from an employer does not cover maternity. No health insurance is available to self-employed individuals under 65 nationwide. You should try to get whatever is available where you live. If you pick any other health insurance, you will have to move to where it is available. If you want to know what you can get where you live now, post this question again with the name of your state. You need different insurance in each state. I do not have time to list 50 different insurance companies.
4. I agree with Cobra, if you are able to afford it, get Kiaser if it's available where you live. As an HMO, it covers everything. I grew up with it and had to change back to kiaser from another HMO and the coverage and efficiency is MUCH better. It took me less than 24 hours to see a specialist this week. My nephew who is in medical school says that the competition to get a job with kiaser among new grads is intense. When I was growing up, it was not so great. Now all the insurers are not so great. If you can't afford kiaser, or it isn't available where you are, then go to a broker and compare your options.