Introduction
Anyone who is working as a self-employed person will need to earn more money and take more risks with their business. Self employed people will naturally have to put more hours into the business in the beginning to become established. However, these risks that a self employed person will take, should not include risks to their health. This is why it is important to have health insurance for the self employed. Here are some reasons why the self employed person should think of purchasing health insurance self employed for themselves.
Introduction
Health Insurance is necessary for everyone
The rising costs of medical care makes it a necessity to purchase health insurance. Even if you have never been sick a day in your life up until now, there will come a time when you will need it. Health insurance is that added protection for your life as some hospitals, clinics and doctor’s offices are reluctant to see anyone who does not have insurance. This insurance is also ideal when you find yourself in a car accident and have been injured. Many employed people will obtain health insurance through their employer. A regularly employed person will be covered for sick leave by their employer.
Features
Why health insurance for self-employed
A self employed person will need to watch their health at all costs. If they are sick for only a few days, this can severely impact their business. This is especially true for those situations in which you are the sole person in the business and do not employ anyone else to help you. If you become terribly ill, then you can lose a week’s worth of profit. Not only will you lose money, but you will also have to pay for all of your medical costs. Most people will have employer health insurance. However, as a self-employed person, you will not receive these benefits. This is something to keep in mind if you are still undecided about buying the health insurance self employed policy.
Searching for health insurance
When searching for health insurance as a self employed person, you will have two options. You can choose health insurance that is specifically designed for those who run their own businesses. An example of an insurance company that sells this special insurance is called Blue Cross Blue Shield. They are a popular insurance company and can be trusted to provide quality insurance for you as a self employed person. You might even be successful with contacting the national Association for the Self Employed to see if they offer health insurance to its members. This association will provide other benefits to those who are self employed, along with useful advice and tips.
Tips and comments
There is also the second option of just buying regular health insurance and letting the insurance company know you are self employed. This is just a matter of contacting different companies online or by telephone to receive a health insurance quote. Health insurance can be quite difficult to understand and you might have to undergo a physical examination before approval for your health insurance self employed.
