Getting health insurance when you’re self-employed isn’t always easy. Unlike traditional employees, self-employed workers don’t have an employer who provides employee benefits to help cover their monthly premiums or negotiate for lower deductibles on their behalf.
Some self-employed individuals get coverage through their spouse. But for those who don’t have that option, it can be difficult or costly to attain coverage. But paying out of pocket for medical needs can be even more costly.
If you’re self-employed and need health insurance, here are some options to consider and tips for choosing the best plan for you.
Types of health insurance for self-employed individuals
There are a few options for purchasing health insurance for self-employed people. When choosing the best option for you, consider:
- Price: Determine a budget for health insurance and find an option that fits this budget.
- Coverage: Identify what type of coverage and quality of care is important to you and how many options of in-network doctors and hospitals they provide.
- Platform: Understand if the platform is easy to use, find care and costs, and make claims.
- Customer service: Research ratings for customer service and their availability for questions.
- Preventive care: Try to find for plans that offer preventive care and annual checkups at no additional cost.
With these in mind, here are some self-employed insurance options to consider in your search: