Self-employed health insurance - Manage costs, enjoy tax savings
Did you know that premiums paid for self-employed health insurance are tax deductible? Many entrepreneurs who aren't covered under a group health insurance plan assume individual health premiums are too expensive; but with the competitive insurance market and this tax benefit, self-employed insurance rates are within reach.
In fact, the full amount of premiums for small business owner health insurance is deductible from business income. This can translate into savings of 26-52% depending on your tax bracket.
Let an insurance broker choose a health insurance company for you
Running your own business keeps you busy enough. You have neither the time nor the expertise to choose a health insurance company from all the options.
Ensure you're getting the most comprehensive, affordable self-employed insurance rates possible by working with an insurance broker at HDF. We can help you design a small business owner health insurance plan for works for you.
Different levels of individual health and dental insurance
Most individual health insurance companies recommend plans that combine both health and dental insurance although there is the option to choose only health insurance. Both offer several essential benefits, with the level of coverage and premiums varying according to the type of package you choose. At HDF, our individual health insurance plan structure is as follows:
- Base Health
- Base Health & Dental
- Deluxe Health
- Deluxe Health & Dental
Premium individual health & dental insurance is found at the Deluxe level, with the Base package providing basic services. Choose prescription drug, eyeglasses, home care, medical equipment, chiropractic services, and prosthetic appliance coverage to a level that suits your family or individual health insurance needs.
This health & dental insurance contains a feature called COST PLUS. COST PLUS allows you to run medical & dental expenses not covered under the plan, through your corporate structure (if applicable) as a legitimate business expense. This creates a business "write off" and therefore leaves more money in your personal (after tax) pocket.
 The Edge Self Employed Health & Dental Plan - Plan Details
The Edge Self Employed Health & Dental Plan - Rate Chart
The Edge Self Employed Health & Dental Plan - Application
For product details or information on how to apply for coverage, please contact us at: 1 (800) 567-2048 (Toll Free) or (780) 441-4792 (Edmonton)
In Alberta & B.C. - The self employed choose HDF Insurance for their health insurance
Our brokers are experienced professionals who can provide advice, options, expertise and guidance. Plus, you can rest assured that our self-employed insurance rates are competitive.
Discuss your small business owner health insurance requirements with one of our representatives today or request a quote online . As a leading insurance brokerage in Edmonton, Alberta, we look forward to adding you to our long list of satisfied clients throughout Alberta and British Columbia.
Health insurance for the self-employed is a necessity, and now it's more affordable than ever.
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