Health Care for the Self Employed
Being self employed means not having a boss looking over your shoulder and being totally financially independent.
You have only to take care of yourself, and you make all your own work decisions. However, being self employed also means taking care of your own health care expenses.
There is no employer to provide coverage for you; now that you’re self employed, it’s all on your shoulders.
The good news is, sometimes purchasing an individual health care package is more affordable than the health care offered by large corporations. Paying for just the health care coverage you need ensures that the costs will be low.
When you pick your own health care package, you’ll have no surprises regarding deductible and co-pays, as is sometimes the case when health care is given to you by an employer. In many ways, it’s actually more beneficial and affordable to purchase your own health care package.
But how can you get this type of health care when you’re self employed? Purchasing individual health care policies is actually becoming more popular as the cost of health care soars, so there’s lots of information online. Check out esurance.com, Self Employed Health Care, and healthinsurance.org for free quotes and information.
Photo by wakalani.
Dan Maas on November 3rd, 2006 11:03 am
Unfortuantely a few states (such as my home, New York) have laws that limit the ability of individuals to purchase low-cost policies, like high-deductible catastrophic politices and short-term policies. In these states the individual is much worse off.
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