Insurance For The Self Employed and Small Groups An important issue for anyone who is currently self-employed, or contemplating going out on their own, is the availability of health insurance. Unfortunately, a substantial portion of the people who declare bankruptcy each year are uninsured individuals who faced medical bills that were beyond their means. So, it's critical that you obtain appropriate health insurance for yourself and your family. Typically, a self-employed individual has three health insurance options: First, the best option is qualifying for lower cost group coverage. In most states, small group health coverage is easier to obtain, and far lower cost, than individual coverage. You may also be surprised to find out that your two-person firm can qualify for group coverage.  In some cases, it may be posible for a husband and wife who work together to qualify for group coverage. It all depends on the rules in your particular state. You can receive instant online quotes from eHealthinsurance for the policies available to you, as a small group, by clicking here. eHealthinsurance also provides immedatiate phone support from licesnsed insurance agents. So, if you are wondering whether you qualify for lower-cost group coverage, one approach is to see if a particular policy interests you, get an instant quote, and then call an eHealthinsurance licensed agent at the phone number listed on the Web site. Second, there may be national or local associations that offer members inexpensive health insurance.  However, in many cases this type coverage may appear to be more comprehensive and higher quality than what is actually provided. So, it's important to read the fine print on these policies carefully.  A third options that is always available is to see what kinds of insurance is available if you simply apply as a typical individual.  This Web site provides a recommended process for obtaining quotes, and finding the best available policies. In many cases, you may be surprised that affordable individual health insurance meets your needs.