Health insurance

Julie Krafchick Digital Media Professional: Design, Marketing, Startups

September 3rd, 2013

Hi all,

Any advice for health insurance plans that are geared towards small businesses or single member LLC's? What have founders done for insurance after leaving their companies?

Audri

September 3rd, 2013

What state are you located in? I am launching a PEO HR service that targets small businesses and self-employed and offers a way to pool health insurance so that you get the best plan even as a single member LLC

Paul Ruderman

September 3rd, 2013

Anyone use zenefits?

Audrey Melnik Founder and Partner at Funnel Ventures

September 3rd, 2013

I'm also looking for Health Insurance. Susie, I'm in California. Do you offer your service there?

Peter Sankauskas Founder & CEO at CloudNative

September 3rd, 2013

We have just gone with a family plan with Cigna.

The thing is, me and my family are relatively healthy, so we decided to treat it like traditional "insurance" like you would get for a car. The only time you should need it is when there is an emergency. We never considered plans that include massages or anything fancy.

Steve Tulk Change Agent

September 3rd, 2013

Thanks for asking the question. I too am wondering. I am going to do COBRA starting in OCT, but anticipate switching to a private provider in the new year. I was advised to do this as the health exchange in VA (where I live) still isn't fully operational (the deadline is Oct 1). I would welcome any input from brokers though no have yet to find one (but haven't looked too hard either).

Sharon Schanzer Client service consultant, graphic designer, WordPress developer

September 3rd, 2013

I have a good policy from the Freelancer's Union. They have specific requirements to join, but membership is free. http://www.freelancersunion.org Sharon Sharon Schanzer sharon@rldgroup.com 646-595-0033 office 917-677-5827 mobile/text

Anonymous

September 3rd, 2013

The chamber plans are super expensive compared to what you can get. If you have a husband wife, you can do a group plan and really save on cost in a variety of ways.

Neha Palacherla Marketing

September 3rd, 2013

There are actually two other FD discussions about this if you want some tips:

http://members.founderdating.com/discuss/169

http://members.founderdating.com/discuss/333

Tony Rajakumar Founder/CEO at SnugBoo

September 3rd, 2013

Which state are you in? I would look into participating with the new Obamacare plans. Either your state will have a plan (e.g. http://www.coveredca.com for California) or there will be a federal exchange for states that don't opt-in. That might work out better than an individual plan. --Tony

Anonymous

September 3rd, 2013

You actually have several options. Come October you can go to a broker like myself and I can help you participate in Covered California which is the state run health exchange. Depending on your income you could be eligible for a subsidy which will reduce the cost of your monthly premium. Currently individual coverage os medically underwritten but come January, 2014 even individual insurance will be guarantee issue. Message or email me directly and I'm happy to help you navigate :-)