Health insurance for the self-employed, best options, a doctor explains

Health insurance is a major expense for most people, particularly when you're self-employed. I'll walk you through what I do for myself and my family, as well as some things to be cautious of or avoid.

DISCLAIMER:
The information in this video is for informational purposes only and is not intended to be a substitute for professional medical advice. Always seek the advice of your physician or other qualified healthcare provider with any questions you may have regarding a medical condition or treatment, and never disregard professional medical advice or delay in seeking it because of something you heard in this video.

[rylandz]

why isn't this information more widely known?!? I've never heard of health share or DPC - thank you

[trueblue]

Thank you so much for sharing your thoughts and expertise, very very helpful!

[YogaWithKarina]

yes... .this video as SUPER HELPFUL... Thanks so much for the honesty. This is topic is soo confusing... thanks for shedding a lot of light on it! Bless you!

[TheBnaja]

Thank you so much for this information! especially about DPC. Makes me feel like I have options if I go out on my own

[youwillwindaily]

Great information. I can't thank you enough. Tom

[wmynvlr]

I extremely like the video, man. Very helpful and informative. Thank you very much. It is presented so well too. Great, positive work.

[khaledamin]

I like your video presentation. It is informative too, at the same time. Thanks a lot for your guidance!

[Skipabeat]

Thank you for the help. My job’s insurance is expensive for my wife kid and I. I will look into dpc

[puzzledudes]

Thank you, Dr. Paul, for taking the time to educate people from a physician's perspective. Insightful!

I was under the impression that health Insurance is typically a relief for most people. Especially, when they thoughtfully pick a plan instead of picking the cheapest thing that pops up. Insurance is meant to offset the hospital charges that are so expensive, one visit can't be paid in full out of pocket. As someone who has worked in Emergency Medicine and now Health Insurance - It's so critical to be sure everyone can understand the WHY behind all of these things so they can get on the right track.

Also, you forgot one thing. There are private plans out there. They are much lower in price and have PPO networks with major carriers nationwide and you can actually build any type of plan you want depending on your needs. They make it like how it used to be where you have to be approved medically before you can get in. It's incredible for entrepreneurs and younger folks who shouldn't have to pay for everyone else's sicknesses.

[TheSparkisLove]

Hi doc thank you for sharing, the insurance and payment for healthcare is terrible this is why we have solutions for small business owners for proactive and preventative healthcare. As a nurse we see so many people depleting life savings because they aren't as covered as they think. Thank you for sharing!

[dianawatson]

Thank you so much for letting me express my feelings about your video. You record all the videos so well. Keep the hard work going and good luck. Hope to see such a beneficial post ahead too.

[untilthen...]

Thank you SO much for this video. With you being a Healthcare professional, would you mind doing videos on what we should look for with these Healthcare alternatives? I mean as far as what is most important to look for as we are researching DPC and/or Healthshare. I'd love to know what things are most important to you that you look for in saying yes to a company/service.

[lotusflo]

Thank You for the info. I’m a contractor and looking for insurance medical insurance

[sonictimm]

Disclaimer on car insurance: If accident is not your fault, you should be covered.
If the accident is considered your fault, you may or may not have coverage depending on your policy. The minimum coverage in my state doesn't cover your medical bills if you're at fault.
idk how it works if both drivers are considered partially at fault.

[robertvelez]

Is knowing I have a hernia considered a pre existing condition?

[sudheerbekkam]

Hello Doctor, Thanks for the video. Can you provide details or insights on how and where to get Direct Primary Care (DPC) and Health Share, which you referred in the video?

[marcelamedeiros]

My husband is self employed! We use alternative therapies for Health, don’t take prescription drugs unless really needed and we’re hardly at the doctors office. What we do need is mostly for labs and other exams. I have trouble breathing my whole life and scoliosis, I need to start looking into this and finding solutions and care. Do you recommend DPC and health share for us?

[swavekbu]

Thanks Dr. Paull, very helpful . . . for Direct Primary Care, is that useful for catastrophic insurance? Or is that best for people who visit the doctor regularly. I'd like to get insured pretty much for catastrophic events as well as the occasional screening, etc. What would you recommend? DPC or Health share, or private insurance? Thanks again . . .

[christinalatina]

Great info! On the video you say CHM and in the comments Sedera…why the switch if I may ask???

[marymoore]

I have a 41 year old male family memeber who is recently disabled due to CVA. In order to get him into a good long term care facility he needs private insurance. He only has medicaid right now which only covers the low par facilities. Where should I look to find him a health plan?