Even owners of very small businesses have several options when it comes to health coverage. They can find medical coverage on their own through the individual or family market. They may be able to get a health insurance policy as a one-man or one-woman group. They may be able to get health care coverage through their spouse's employer.

Considering your alternatives with each type of insurance can mean that you get a lower price.

You will probably find many health insurance companies in your region that sell medical insurance policies directly to consumers. Often the rates you can get as an individual will be the significantly lower than the prices you got when you had group insurance.

Many of the same health insurance companies that insure large corporations will also allow individuals to purchase medical insurance from them directly. They will often have both group and individual or family medical insurance contracts. Although, there are plenty of reputable companies that offer individual medical insurance but not group healthcare insurance, this can help you shop with confidence.

Often these health insurance companies will have better networks of doctors. Sometimes the networks for their group policies and their non-group policies will be the same. But one shouldn't assume that just because a doctor is part of the group insurance network that he or she is a part of the private insurance network.

Non-group health insurance policies will typically only be available to those who are healthy. This is why they are often less expensive than group insurance policies. If you are in poor medical care you may be charged more than the standard rates. You may find that an individual policy is not available to you at all. Fortunately, If you do not qualify for a non-group policy you may qualify for a group insurance policy.

In many areas one man or woman group health insurance policies are available. These medical insurance contracts are often available without any medical questions so even if you have been denied a non-group policy, you may still qualify.

If you are married or have a domestic partner, you may be able to get medical coverage through his or her employer-sponsored healthcare policy. You may be able to be added on to the policy without any medical questions during its annual enrollment period. Certain events such as marriage may allow a husband or wife to be added to a group policy as if it is in the annual enrollment period.

This is often the best option because the costs may be subsidized by the company However, many employers no longer subsidize the premiums of their employee's dependents. They may or may not even subsidize their employees' share of the premiums.

Medical Coverage isn't the only important insurance type. When considering your insurance choices be sure to also look at disability coverage and life insurance also. You should also make sure that you have a retirement plan in place. Many self-employed people overlook these issues and hurt themselves and their families.

You will probably find that medical care insurance is available to you as a one man or woman company. There are probably several medical care insurance carriers who will sell directly to you as an individual or who will offer you a one-person group insurance policy. You may also find that you can be added your spouse or domestic partner's group coverage plan.