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Where To Get Self Employed Health Insurance
A self-employed person or a freelancer is a person who carries out a business on their own and is not employed by a company. In such a case you can purchase a health insurance from the individual Health Insurance Marketplace. If you have even a single employee, you will have to use the SHOP Marketplace for small businesses to enroll in health coverage.
As a self-employed individual, it is highly important to get covered to avoid the risk of paying huge health care bills. There are plenty of health insurance options for the self-employed, ranging from plans with low premiums to plans with high premiums but less or no out-of-pocket costs.
There are mainly four categories in the marketplace – Bronze, Silver, Gold, and Platinum. Bronze has the lowest monthly premium and is highly useful if you want to cover yourself for serious medical issues such as illness or injury. However, you will have to pay for most of the routine care out of your own pocket. The silver category has a moderate monthly premium and out-of-pocket costs. It is suitable if you want more of your routine care to be covered. The gold category has a high monthly premium and low routine care costs. This category covers most of your medical treatments. The platinum category has the highest monthly premium and the lowest out-of-pocket costs.
Here are a few places from where you can obtain health insurance at affordable prices as a self-employed individual or freelancer.
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