Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Join association for group health insurance

The best way to join an association and get group health insurance is to first think of any groups you may already be a member of. For example, are you part of any unions? Or maybe you are a member of an alumni association through your alma mater, or a part of a professional organization.

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Your local Chamber of Commerce may very well likely have a group health insurance plan. If you are not a member of any groups like these, or if the groups you are currently a member of do not offer health benefits, then you will want to next find groups you can join!

Insurance Through an Employer

The best group to start with when you’re looking for group health insurance is through your work. There are many benefits to using your employer for group health insurance, including the fact that many employers pay some of the premium and you do not usually have to take a health exam. Your premiums, too, will often be lower.

However, not everyone can get insurance this way, whether it is because their employers do not offer group health insurance or because they are self-employed individuals . Health insurance policies for individuals can be incredibly expensive, or even hard to obtain in the first place. This is when considering group health insurance through an organization may be a good idea.

For example, if you are a writer or a journalist, you might be eligible to join the Writers Guild of America or a journalist group. Think about what field you are in, and see if there are specific organizations for your field of work. Do Google searches for various member organizations, or some variation of the phrase “membership health insurance benefits.” Take a look at any organization that pops up that you think seems interesting or that you think you may be able to join.

There are several groups for self-employed folks, like The Freelancers Union or the National Association for the Self-Employed. Think about the niche you work in or belong to (female executive, a small business owner); odds are there will be more than one group for you.

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Compare Rates and Benefits

Compare the health insurance rates each group offers. You do not want to settle on the first one because it may not be the cheapest. Think about what the cost if you are a member of the organization (most will charge an annual fee for members) and see how it compares to other groups’ fees or insurance rates.

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While group health insurance always sounds like a good deal, there are limitations. You will probably have to have medical exams to determine if you can be covered or what your rate will be. Your pre-existing conditions may not be covered.

You may still be required to take entry medical exams with various organizations, and your pre-existing conditions may still not be covered. However, being in a member pool with an organization may lower your premiums simply because of the power of numbers.

Also, it may be infinitely more convenient, as there will likely be someone in the organization with whom you can specifically talk about the policy. There should be someone who knows all the ins and outs of the group insurance plan, and be able to quickly and easily get you the answers you need.

Organizations that Offer Plans

Other organizations that offer group health insurance that you may be interested in include AARP Health, the Alliance for Affordable Services, New York Women in Communications, Associated General Contractors of Colorado, or the Master Builders Association. As you can see, there are very specialized organizations for a variety of causes and types of workers. You should have no problem finding the organization that is perfect for you.

Folks with the most health issues benefit most from group policies. The collective pool of people will lower premiums (unless, of course, in the possibility that every single person who is a part of the group is in terrible health, in which case the policy may not be that great) as the healthier individuals pick up the slack for the higher risk and less healthy members.

Unfortunately, this means there is also less flexibility and choice in group plans. Don’t worry, as long as you take the time to look into both the group and private health options you will find one that works for you.

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