Health Coverage

Coverage by Your Spouse's Employer

As a small business owner, you must obtain your own health insurance coverage. Here are some helpful hints.

Fortunately, many business owners are covered by their spouse’s health plan.  Your spouse’s employer subsidizes the actual cost of insurance to you.  It’s important to realize two things:  1) Obtaining coverage through your spouse’s employer has many features and benefits you most likely will not be able to obtain individually, and 2) it reduces your premium payments dramatically.  So, if your spouse is working and has medical coverage through an employer, make certain you and all your children are included in the plan.  If you can't get coverage through your spouse, you have several choices, none of them cheap, but you absolutely must have medical insurance.