affordable health insurance Getting affordable health insurance is important for people who are self-employed. There is a group that the self-employed can join that provides affordable health insurance at fairly reasonable rates, and since they are a large association, you are joining a group health insurance when you buy it from them. The advantages of group health insurance go beyond the premiums. With a group policy, you are insulated from policy hikes if you start using your affordable health insurance to treat a devastating disease, like cancer or heart problems. With an individual plan, the insurance company can start raising your monthly premiums if you make what they think are too many claims, but with a group policy, the risks are spread over a larger population so your premiums are stable. Most insurers will raise the rates annually across the board, but these increases are generally not as excessive as they are for catastrophic diseases. If affordable health insurance is something that you need, do some searching and find a way to join a group policy that will insulate you from arbitrary hikes in policy premiums.