Image: CarbonNYC under CC 3.0
As a self-employed individual, buying affordable health insurance can be difficult. In 13 states, the process is more simple: you can register as a “small business of one” and buy a policy in the small group market. That market is likely to have lower rates and fewer restrictions on pre-existing conditions.
However, in most states, you’ll need to get an individual health insurance plan if you’re self employed without at least one employee. Provisions of healthcare reform that kick in by 2014 will make finding coverage easier, but for now things haven’t changed.