If I get coverage as a sole proprietor or self-employed individual, how does this differ from a group health plan or an individual plan?

If I get coverage as a sole proprietor or self-employed individual, how does this differ from a group health plan or an individual plan?

Technically, this depends upon state law and the insurance carrier. For instance, in NY, individuals are eligible for "group coverage" as a sole proprietor. Essentially, under NY state law, sole proprietors are enrolling in group coverage as a "group of one." Fractured Atlas' current NY HIP plans are full featured plans specifically designed for creative independent workers.

These differ from individual health policies which are not considered to be group coverage, and as such, are subject to state laws while group coverage are subject to state and federal laws, including HIPAA.

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