When you work for yourself, one of the most important things you can do to protect your health and finances is get health insurance. In contrast to those in traditional employment, where employers frequently offer health coverage, self-employed people must manage the complicated healthcare system on their own. The good news is that our team at LaVaughn Rodgers Insurance can help you find the coverage you need.
When seeking health insurance as an independent contractor, consider the following:
- Assess Your Medical Requirements: Think about the state of your health right now, any ongoing medical issues, and how frequently you plan to require healthcare services.
Consider future needs that may arise, such as ongoing prescriptions, family planning, or scheduled surgeries.
- Recognize the Different Plan Types: We can help you explore different health insurance options that are available, such as PPO, HDHP, and HSA-compatible Preferred Provider Organization (HMO) policies, as well as answer questions you have about each.
- Think About an HSA (Health Savings Account): You can reserve pre-tax money for approved medical costs with an HSA. It can be an effective tool for controlling medical expenses and setting money aside for the future.
- Analyze the Deductibles and Premiums: Higher deductibles may be associated with a plan with lower premiums while the opposite is true for lower deductibles. If you are choosing between plans with different premium and deductible structures, take your budget and risk tolerance into consideration.
- Examine Coverage for Prescription Drugs: If you regularly take prescription drugs, make sure your insurance plan covers your medications adequately.
If you’re self-employed and need to know your options for health insurance, contact our team today.