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Rhode IsIand Self-employed (1099 Employees and Sole proprietors) Health Insurance Quotes and Requirements

Are you on the right page? If you have a partner or at least one employee
in your full time business click the link below.
FREE SMALL BUSINESS( 2-50 employees )QUOTES  - CLICK HERE

Before bothering to even get a quote you need to make sure you qualify. Getting health insurance
in Rhode Island is not as easy as it once was 5-6 years ago.

The on-going lack of comprehensive affordable health insurance options for individuals and families in Rhode Island persists due to our elected officials continued reluctance to simply adopt standardized reforms used in the majority of states in the rest of the country --including Connecticut and New Hampshire. In most states (except for the stubborn states in the Northeast such as RI, MA, VT, ME, NY, NJ) health insurance for individuals and families are both affordable and plentiful with many carriers and plans to choose from. Until we can get our elected and appointed officials to do the right thing....in the meantime......

IN Rhode Island, as a self-employed person you may obtain annual renewable  health insurance originally intended for businesses with 2 to 50 employees IF you meet the following criteria:

• You are self-employed with proof of business such as a Schedule C or Articles of Incorporation.
• You may be an independent contractor, subcontractor or 1099 Employee
• You work your business full time

Part-time business owners for example Amway distributors, do not qualify. You must be in business full time and have proof of business as specified above. If you can not meet these requirements your only comprehensive annual renewable health insurance options are available directly through Blue Cross Blue Shield of Rhode Island. 

If you are not self-employed full time with proof of business described above and you have  pre-existing health conditions; have not maintained prior health insurance coverage for at least 12 continuous months and have been without coverage for less than 63 days, you may not qualify for any of the Blue Cross plans and may have to wait until October during their open enrollment period.

If you have your health, you should be be able to qualify for the Blue Cross plans regardless of whether or not you have maintained prior coverage.

If you have your health or just a minor pre-existing condition that you can manage yourself, you may be interested in short-term medical insurance through Assurant Health. This is an EXCELLENT and VERY AFFORDABLE OPTION for those of us who just want coverage for emergencies and don't mind paying out of pocket for and annual physical or for care related to manageable conditions such as allergies.

Beware of limited benefit plans that masquerade as full major medical plans but in reality are limited benefit plans with very limited protection and are extremely expensive considering how little medical care you might likely need is actually covered. Some of these companies are nationally advertised as "sensible health insurance for the self-employed". These plans typically have set dollar amounts per day that they will pay out if you go into a hospital or fixed amounts for specific procedures that are usually only a fraction of what the operation would actually cost. They may advertise big lifetime maximum benefits of $10 million or more but at the same time have a much smaller lifetime maximum per illness. These plans are sold by captive agents - NOT by independent agents and brokers who have a better ability to look out for your best interests because they can sell multiple products offered by multiple companies they themselves choose. Sadly many individuals and families in states like Rhode Island and other states in the northeast where insurance costs are higher and choices are fewer
get sucked into these plans that seem sensible and perhaps the agent seemed nice, only to end up in the hospital and find that only a tiny amount of the bill was covered by their insurance.

So as not to be without coverage for longer than is necessary, if you are currently without coverage be sure to also click here to discover affordable short-term health insurance options where you can get FREE INSTANT QUOTES, APPLY ON-LINE and OBTAIN IMMEDIATE HEALTH INSURANCE COVERAGE

If you met the above requirements to qualify to obtain group coverge as a self employed person in Rhode Island, please complete the census form below.