Practical Advice to Get Health Care if You Work for Yourself
Working for yourself can be a great thing, but when it comes to paying health insurance premiums, a lot of people just go without health coverage. Obamacare has changed the law, requiring people to sign up for healthcare insurance. While prices have dropped for some because of this, others may still be wondering about ways to save even more money.
Getting Affordable Health Insurance
Here are some ways that you can get health insurance that’s affordable even if you’re self-employed.
Ex-Employer – If you’re retiring, you may be able to stay on your ex-employer’s plan. This is a great idea that can save you quite a bit of money. Unfortunately, this is not going to be an option for everyone. You can also look for great Buddy Loan plans if you want to save big.
Spouse – Another way you may be able to get affordable health care is by signing up under your spouse’s plan. This means they need to have health insurance through their employer, but it’s a good option for some people. If your spouse is still working for a large company, this is something you should look into.
Professional Groups – Occasionally, you may be able to get a group health insurance rate by being a member of a professional group. This isn’t always the case, but it’s worth asking about if you’re a member of one or am thinking about joining. Being able to purchase health insurance as part of a group can really save you money every month.
High Deductible – Another option is to purchase your own health insurance with a high deductible. This means your monthly premium will be lower. The problem with this is that if something does happen, you’re going to have to shell out more money upfront. So, going this route is really a gamble. If you’re younger and live a safe life, you may be okay with this option.
Obamacare – Love it or hate it, this is now the law of the land. The bill is supposed to make health insurance more affordable for the masses – as well as making sure insurance companies cannot deny people with existing conditions. Checking with the national government health care website is a good place to start.
Whatever you decide to do, it’s now essential that you purchase health insurance so that you don’t end up paying penalties when tax time rolls around. The good news is that are a lot of companies available here that are ready for this and want to offer the self-employed great insurance at prices that are easier to afford. If you have any of your own tips or advice for getting health insurance, leave a comment below and share your wisdom with the rest of us.