Those who work
for themselves or are self employed in other languages, have hard time managing
health insurances. As it is hard to find health insurance for independent
contractors under manageable proportions, the affordability of the insurance
depends upon huge range of little factors. Few things are the residence of the
person in question, the person himself and the terms and conditions of the
insurance companies. These things need to be considered along with a whole lot
more. Let us go deeper into the topic to understand further about what we are
discussing and how we should deal with it.
 | |
|
In this age
where freelancing and other business endeavors are seeing the daylight, more
than one third of the population of USA is independent contractors. Majority of
the self employed people are freelancers or businessmen. Others are retired or
part time workers. But for them the headache remains the same. Finding insurance
for independent contractors can be a problem if you don’t know where and how to
look. You need to follow few ways (I am discussing top 5) to get a health
insurance for you being a self employed person. Without further delay, let us
get on with it.
One option for health
insurance for independent contractors can be your ex employer's plan for you.
Well this works people. Just before your retirement you can count your age and
see if your age has hit 65 because, the Medicare guys will take care of your
needs like no other company. The company will bear all the major costs of your
health care and you will be left worry free to enjoy yourself. Another way is
having your partner insured at his/her working place with his/her boss. That
should cover up for you too. But it still is less than what your own policy
would cover.
There is a
consolidated Omnibus Budget Reconciliation Act which states that the employers
should offer the employees COBRA. Under which the state will cover up initial
18 months of your health insurance policy along with your dental insurance. The
positive side is that you don’t have to worry about things that will pre-exist.
The negative side however is that it will be heavy on your pocket. Another
alternative is that you should join a professional group of people after
retirement. Some of the groups offer health insurance for independent contractors.
.jpg) | |
|
The easiest way to have your share of Health Insurancefor Independent Contractors is to get into a part time job besides carrying
your entrepreneurship duties. This way, you can be in a job and earn just
enough to pay your premium and avail the perks of an insurance coverage for
yourself. The salary of the job will work out just fine when you consider the
premium of the insurance package. I have given you five ways to attain
Insurance for your health while being self employed. Try to think some ways of
your own and let me know.
No comments:
Post a Comment