Health Insurance Plans For The Self-Employed.

Health insurance is one of the most important investments you can make.

Just one visit to the doctor’s office without it can cost you hundreds of dollars, and a visit to the emergency room can make a dent in your bank account. Even lab work and prescription medication can cost you a lot more than you can even imagine.

Since we never know when an illness or an emergency situation will strike us or a family member, we need to stay one step ahead and prepare for medical emergencies. Health insurance makes purchasing prescription medication much more affordable, and that can make a significant difference for people with illnesses and allergies that require them to take multiple medications on a daily basis.

For those who work for a company this would not be a problem, as you can always get on a group health insurance plan through your company and pay the required premiums. But if you’re self-employed, you need to find self-employed health insurance coverage that fits your needs and budget as soon as possible.

For those who are self-employed or work as freelancers, there are other options to obtain health insurance.

Here are just some of the health insurance plans that are offered to the self-employed worker.

Short Term Health Insurance: This is a great plan for people who are close to entering their golden years but haven’t reached official retirement age. If you’re too young to qualify for Medicare benefits, a short term health insurance plan can see you through until you’ve reached a qualifying age. This plan can also work well for part-time workers or for those who work sporadically throughout the year as self-employed workers. There are three plans that encompass short term health insurance depending on the state that you live in: short term medical value, short term medical copay or short term medical plus. Find out which plan is right for you.

Health Savings Account: This type of account can provide you quality health care coverage while lowering your premium payment. You can choose between HAS 70 and HAS 100, each with their own advantages in health care costs and savings.

High Deductible Health Insurance: Are you in such good general health that you visit your doctor infrequently? A high deductible health insurance plan could be perfect for you. With the Saver 80, Plan 80 and Plan 100 options, the premiums are lower and the plans are easy and straightforward. If you’re mainly concerned about a severe medical emergency, this health insurance will cover it.

To decide which plan is right for you, research your options and narrow down your choices until you find a health insurance plan that you are comfortable with.

Health insurance is an absolute necessity. If you think that health insurance is something that you can’t afford, think again—because health insurance is something that you can’t afford to be without.

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