Group Health Insurance

If you own your own business, even if you're the only employee, you can actually get group insurance-- which, again, is easier to obtain than individual insurance. It seems bizarre, but there actually is group coverage for a "group of one."

Choosing a policy
If you're lucky enough to have a couple of individual insurance options, how do you compare? Consider these factors in choosing the policy that's right for you:

1. What's the deductible?Throw those ideas of a $250 deductible and $15 co-payments out the window -- they may sound great for group plans, but with an individual policy, you're probably facing a deductible of $3,000 or more. But remember: Because insurance should cover the most catastrophic needs first, the deductible should figure into your decision-making, but it should not be the deciding factor.