If you work for yourself, you probably own an individual health insurance policy. Unfortunately, starting in 2017, the popular hospitals and doctors will no longer be included in those networks. Should you seek care outside of the PPO network, deductibles increase to surprisingly high amounts. HMOs are an alternative, but typically do not provide out of network coverage.
Group coverage, on the other hand, usually provides a superb network of doctors and hospitals. However, it has typically been unavailable for one person companies.
Here is some good news. Blue Cross Blue Shield of Illinois will allow a husband and wife to purchase group coverage if they meet certain requirements and business entity rules. Even better, you need not wait until the Open Enrollment period to qualify. Group plans can be formed throughout the calendar year.
Call us and we can explain more of the specifics. 847-461-6553