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According to the Indiana 2008 Legislative Agenda, “Access to affordable health care continues to be one of the biggest concerns for small businesses in Indiana. Of the 42 million people uninsured, more than 61 percent are either small-business owners or employees of small businesses.” Legislators are considering a number of options to help ease the insurance burden. But until these or other money-saving options are enacted, small business owners still need to find inexpensive health insurance. Lowering Your Costs There are ways small business owners can reduce health insurance costs. For example, you could choose a PPO or HMO instead of a Fee for Service plan. While Fee for Service plans offer more choice and flexibility, they also cost more. Another option is to consider a high deductible insurance plan coupled with a health savings account. You will have to pay out of pocket for all your medical costs until you reach the deductible. However, you can reimburse yourself – tax-free – with funds from the health savings account. Get Quotes from Multiple Companies No matter what kind of plan you decide to buy, the best way to get the best rates is to comparison shop. You can quickly and easily get quotes from multiple A-rated insurance companies by going to an insurance comparison website. You just fill out and submit a simple online questionnaire and you'll receive quotes from several small business health insurance companies. On the best websites, you can also talk online with insurance experts, getting complete and accurate answers to all your insurance questions. (See link below.) Where to Get the Best Rates Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Indiana health insurance quotes for small your business from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on small business health insurance in Indiana.
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