Health Insurance for the self employed

Medical underwriting rules for small group health insurance (2-50 people) differ from large group and individual health insurance policies. Regardless of any preexisting condition, you must be offered coverage under a small group policy on a guaranteed issue basis. The application may still contain health questions and a request for medical records or past medical history. If you can gain employment with a small employer who offers small group health insurance, then you must be accepted onto the plan. However, the small group insurance company can utilize a six-month waiting period for preexisting conditions. If you have prior group health insurance (creditable coverage) without a break of more than 180 days, it must be applied to decrease or eliminate the waiting period.

Health Insurance for Individuals, Families, Seniors, Self Employed and Small Businesses

Small Group Insurance