Health insurance isn't something you can swap and change without significant risk. * Your age impacts on the cost of first year premiums. An increasing number of self employed individuals are finding it almost impossible to find affordable health insurance and when they do it is more and more apparent that insurance providers are out for short term gain and are pricing self employed health insurance but unfortunately many self employed workers are finding that they are being priced out of the health insurance market. Check out the benefits of joining a self employed association or an organisation associated with your line of work. If you currently have HMO coverage you could check out other options such as PPO which should prove