Self-Employed Health Insurance
If you are self-employed, you may be thrilled by the prospect of controlling all aspects of your business. One area that should not be overlooked, however, is the need for self-employed health insurance. Since you don’t work for an employer, there is no health insurance plan option in place for you.
In addition to securing self-employed health insurance for your protection and to save you money from the cost of doctors’ fees and health expenses, you can also use the expense as a tax write-off.
While self-employed health insurance can be costly, compared to the cost of doctors’ bills and the expense of procedures or a hospital stay, the peace of mind from a comprehensive health insurance plan is invaluable.
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Self-Employed Health Insurance Coverage
Evaluate your health needs and budget, then conduct some initial research to find the best policy for you. Try out our free quote to see just how affordable a self-employed health insurance plan can be. Consider the following expenses when researching for self-employed health insurance:
- Hospital expenses, such as room and board
- Costs associated with surgical procedures
- Office visits and doctors’ fees
- Expenses to treat illness or injury
Additional considerations may include coverage for:
- Prescription drugs
- Maternity care
- Vision care
- Mental health benefits
Keep in mind that these additional coverage areas will increase the amount of your premium. Identify your particular needs to customize your distinct self-employed health insurance plan. Check with your state regulations for more information about insurance for the self-employed.
Visit the individual health insurance plan section for more details about what to look for in a health plan.
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Benefits of Self-Employed Health Insurance
Since self-employed health insurance is an expense of your business, health insurance costs are tax deductible, up to 100%. This is a big plus since many self-employed people can't get any the discounts that a company is afforded with health insurance unless they are part of an association, or can obtain coverage through another source of group (i.e. "pooled") insurance coverage.
When you set up your self-employed business, you don’t want to forget any of the important details. Protect your most important investment – yourself – with a self-employed health insurance policy that provides comprehensive coverage in the event that you need medical attention. An individual health insurance policy is available that will meet your budget and health needs.