Are you Self Employed with Health Insurance?
self employed healthCopyright © Roderick Eash
http://www.TheEashSyndicate.comIf you are self employed do have health insurance? A lot of people that work for themselves are self employed without health insurance because being self employed with health insurance is very expensive and most people who are self employed can’t afford health insurance. It’s also hard to be self employed with health insurance from any of the major health insurance providers because a lot of the big health insurance providers won’t give coverage to someone that is self employed.
Since self employed people are seen as a financial risk by a lot of health insurance companies it can be very difficult to become self employed with health insurance coverage from a major health care provider unless you pay very high premiums or pay for a year of coverage or more in advance. Everyone that is self employed would love to be self employed with health insurance but it’s not always possible for a self employed person to find affordable health care coverage. So how can you be self employed with health insurance if you can’t find an affordable health insurance plan?
There are options if you are self employed and need health insurance. Some smaller insurance companies offer ala carte health insurance coverage where you can choose to add just the coverage that you need, like coverage for prescription medications and office visits, and that kind of ala carte coverage can be more affordable than full health insurance. You can also look into a discount plan that isn’t the same as insurance but gives you discounts on the most common types of medical services like office exams and routine tests. Or you can join with other self employed people to form a loose network and try to get a good deal on health insurance from a major health insurance company just like a traditional company one.
These groups of self employed people who seek health insurance together usually work out very well and the self employed can get health insurance at a better price than they could get if they wanted to get self employed health insurance by themselves. If you join a freelancer’s union or other group you can often get health insurance for a much lower rate then you would pay if you just got the standard self employed health insurance rate that most companies have. Finding self employed health insurance can take a lot of time and effort but everyone needs to have health insurance these days so if you haven’t already found some self employed health insurance you really should make it a priority to get some health insurance.
If a medical crisis or emergency were to happen and you are self employed you wouldn’t want to get stuck with all those hospital bills. Having health insurance is just something that everyone needs to have, like car insurance, so even if you’re self employed and you’re tempted to go without health insurance to save money you should get the health insurance now so that if anything were to ever happen you wouldn’t end up paying all the hospital bills out of pocket.
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