Self-employment has its perks. You set your schedule, you get a home office, and you are your own boss. But you’re also building services, accounting, human resources and the benefits coordinator.
With full responsibility for profit and loss comes the responsibility to manage expenses closely. Health insurance is a line-item worth investing in.
Having health insurance gives you access to healthcare at a lower cost than if you were uninsured, and with a set monthly premium, it is a more effective way to budget for medical expenses.
Expect the unexpected
Health insurance is not just for people with chronic health conditions. Even as a completely healthy individual, it is important to get routine check-ups to help prevent future health issues and potentially expensive medical bills.
But despite a clean bill of health and a healthy lifestyle, things happen. The unexpected is a guarantee, but planning for the unexpected and having health insurance can give you security when an emergency arises.
How to get health insurance
For health insurance purposes, you are considered self-employed if you have a business that takes in income but has no employees. This could be as a freelancer, consultant, independent contractor, or other self-employed worker.
If you have no employees, you can shop for individual health insurance plans through the government Marketplace established by the Affordable Care Act or directly through health insurance companies, like Arkansas Blue Cross.
If your business has one or more employees, you will need to consider a small employer plan. Like individual plans, you can shop for small business plans through the government Marketplace or companies like Arkansas Blue Cross.
Maximize your savings
When you purchase insurance through the Marketplace, you may qualify for tax credits and other savings based on your income and household size. This will be determined when you fill out your Marketplace application.
We make it easy.
The good news? You don’t have to be a health insurance expert – that’s what we’re here for. Our health insurance experts can get you on the InsideTrack to the best coverage option for you.
To shop for health insurance or connect with our team, call us at 800-392-2583, visit our website at arkbluecross.com or schedule an appointment at your nearest ArkansasBlue Welcome Center.