{"id":2322,"date":"2017-01-20T09:23:12","date_gmt":"2017-01-20T03:53:12","guid":{"rendered":"http:\/\/blog.adityabirlahealth.com\/?p=2322"},"modified":"2025-03-10T12:15:10","modified_gmt":"2025-03-10T06:45:10","slug":"7-tips-to-choose-the-best-health-insurance-if-youre-self-employed","status":"publish","type":"post","link":"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/2017\/01\/20\/7-tips-to-choose-the-best-health-insurance-if-youre-self-employed\/","title":{"rendered":"7 Tips To Choose The Best Health Insurance If You Are Self-Employed"},"content":{"rendered":"

The old adage \u00a0– health is wealth \u2013 is far more relevant for the self-employed as \u201csick-leave\u201d due to ill health could mean a loss of business, i.e. more expenditure and potentially, fewer earnings. Your health is, therefore, in direct connection with your professional economic condition. Thus, when it comes to preparing for your future it\u2019s vital to choose an insurance plan that best fits in with your business plan. And being self-employed, you need to make sure that you\u2019re aware of what you need now as well what you could require for the future.<\/p>\n

\"Health<\/p>\n

Here are a few points to keep in mind when you\u2019re considering health insurance<\/a> as a self-employed individual:<\/p>\n

1. Start young<\/h3>\n

Insurance premiums work on the basis of risk, so remember that it\u2019s always best to insure yourself early in your life. When you\u2019re young and health risks are lower, finding affordable health insurance coverage becomes easier. You also need to keep in mind that as you continue to grow older, the health insurance premiums will continue to get higher.<\/p>\n

2. Compare coverage options<\/h3>\n

Evaluate all details of your desired insurance plan and what it covers. Don\u2019t make any hasty decisions as what might \u2018look good\u2019 on paper, might not be the best for you in the long run. Read the fine print or talk to your agent or the company if you have any doubts.<\/p>\n

\"\"<\/p>\n

3. Be prepared<\/h3>\n

When considering a plan, make sure you know exactly what documentation would be required to process it. Personal details like age, the industry your business is from, your health record, etc. are things that every insurance company would require to process your policy. Although things are much simpler now, thanks to the digitization of data, it does nonetheless pay to have your files on hand for speedy processing. In case you have employees working for you whom you wish to cover under a plan, get their relevant data ready as well.<\/p>\n

4. Manage your money<\/h3>\n

Calculate your affordability for insurance. Make sure your expected monthly\/annual income is enough to cover your premiums. Any business, be it a solo venture or a small company; would have to take into consideration the unpredictable side to the marketplace. Since you may be working alone and\/or have a small team, you would have to be on top of things for your own sake. If you do end up making more money, do not make the mistake of overlooking possible payments that may be pending. Chances are, you could have some premium tax credits waiting to be paid back.<\/p>\n

5. Marital status<\/h3>\n

One way to be a successful freelancer or a self-employed entrepreneur without having to worry about health insurance is to have a spouse who works as an employee. Many self-employed people swear by this. When your spouse, who\u2019s working with you, is signed-up under your health plan, it is likely to be less expensive than other options.<\/p>\n

\"Health<\/p>\n

If you\u2019re single, then research is vital. Various sites offer comparison offers to make things a little simpler. You could either purchase a health plan on your own through the internet or through an insurance agent. When it comes to the more personal approach of working with an agent, be a smart consumer and don\u2019t go with the first one that offers you \u201cthe best deal\u201d. Meet with others and compare the offerings.<\/p>\n

6. Lock-in rates<\/h3>\n

With the passage of time, many insurance companies tend to increase their premium. But if you\u2019re looking for stable rates, you need to search for policies that offer a \u2018rate guarantee\u2019. A rate guarantee ensures that you have to pay a fixed amount that\u2019s decided at the start of the policy.<\/p>\n

7. Pre-existing health condition plans<\/h3>\n

In case you happen to have an existing medical condition, you\u2019ll need to look for plans that are made specifically for you. These plans tend to cover high-risk and you will be well prepared for your future. This would also be applicable for any employees you may have working for you.<\/p>\n

\"Pre<\/p>\n

Article Sourced from:<\/p>\n

HealthCare.gov – https:\/\/bit.ly\/1NujKEh,
\nRejuvenationmedia.com – https:\/\/bit.ly\/2iCGAll, and
\nPocketlawyer.com – https:\/\/bit.ly\/2iZwxVp<\/p>\n","protected":false},"excerpt":{"rendered":"

The old adage \u00a0– health is wealth \u2013 is far more relevant for the self-employed…<\/p>\n","protected":false},"author":1,"featured_media":2338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[74],"tags":[],"class_list":["post-2322","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moneywise"],"acf":[],"yoast_head":"\n7 Tips to Choose the Best Health Insurance if You\u2019re Self-Employed<\/title>\n<meta name=\"description\" content=\"Are you looking out for health insurance for the self-employed? 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