It sounds hard to believe, but there are people out there who work on their own or they work from home and don’t benefit from a self employed insurance. This is not necessarily because they cannot afford it, but because they lack the education. When you get employed by a firm or a company, you are usually given a health insurance as one of the top facilities. You don’t have to bother finding the best insurance companies, rates, packages or plans. The employer is supposed to do everything. But what do you do when you are alone? Fortunately, there are solutions and a little knowledge can answer all your questions.
The insurance self employed targets multiple categories of people. For instance, there are plenty of people who work from home and mostly over the Internet. It is a decent source of income and most importantly, a very comfortable one. It is great when you have a baby to take care of or you are retired. Getting a basic health insurance is mandatory, no matter how insignificant it is. You need at least the basic problems covered. If you can afford more, spending more will definitely bring in a series of other advantages.
Self employed professionals
Another category of people who can benefit from such an insurance include the professionals who ensure a service they are trained for, whether they do it from home or not. For instance, an accountant can easily get a job at a particular company, but if you don’t feel like going out every day, you may just as well work per project and from home. The self employed professionals are gaining more and more popularity because the income is usually the same, but the fact that they work from home gives them access to a series of other options.
Small business owners
Finally, the insurance for self employed people also covers the small businesses. Whether you own a little boutique or a small auto repair garage, working alone will always ask for a health insurance. You run a legit business and the insurance is essential, whether you got more employees or not.
All in all, as a self employed individual, you will obviously never benefit from various discounts and promotions for groups and large businesses. You are responsible for everything, since you do not have an employer to take care of you. But after all, many companies provide cheaper rates, mostly because being self employed is seen to be less profitable than working in a company.