Health insurance is wealth with self employment

2007-03-08 10:33:40

( Health )



Employers take care of their employee’s insurance needs such as health, liability, or property insurances. Insurance tend to be the single greatest expense for many of the self-employed because they must purchase their insurance themselves and would usually need more coverage than employees. Most of them acquire temporary health insurance at least before they are able to get a hold of a health insurance.

Medical costs can be huge, even for minor illnesses or injuries. That is why even if you are in perfect health, you should obtain health insurance. Although it is not required of travelers, even they obtain travelers health insurance. International heath insurances are also obtained by most people because international health insurances insure coverage of all nationalities in more than 140 countries. Health insurance pays at least part of your hospital, prescription, and doctor expenses if you or a family member gets sick. For self employed people, you have to obtain your own self employed health insurance. Most of them do not acquire the mega health insurances which can cost huge.

The truth is that you would probably have a difficult time finding a doctor or hospital that is willing to treat you if you do not have a self employed health insurance. Some people who would like to quit their jobs and venture into business for themselves are hesitant to do so because of fear that they would not be able to get health insurance.

This is the case because it can still be very difficult for self-employed people to acquire affordable health insurance even if the laws of most states prevent an insurer from refusal to provide you coverage because of a preexisting medical problem.

Insurance is cheapest and easiest to obtain before you have a problem. When you first become self-employed or even before you quit your job are the best times to obtain self employed health insurance and other insurances. You should not wait until you are being sued, have business property damaged or stolen, or become ill before you even start thinking about insurance because by then it may be too late already. And even if you’re able to acquire insurance, it would probably not provide coverage anymore for your preexisting condition or problem.

So be sure to have the constant effort to fix your self employed health insurance even before you decide to be self-employed. After all, health is wealth.


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