There are many perks that accompany freelance work, and many enjoy the freedom and creativity that comes from working outside the traditional office environment. However, the work also comes with complications, particularly when it comes to health insurance. Many freelancers struggle with health care costs and still others believe that they cannot afford an insurance plan.
Luckily, there are a number of health insurance plans which are affordable (and offer great coverage) for freelancers. Consider the following options:
Individual Health Insurance: You can take health insurance coverage into your own hands by buying individual health insurance. There are a variety of options for your budget and health needs. For those with a tight budget consider a high deductible plan with low monthly payments.
Chamber of Commerce: Most people do not realize that their local chamber of commerce could be a good option for insurance. Many chambers of commerce offer small business plans that might be a potential option for you. Visit your local branch to learn more about this type of plan.
Freelancers Union: Freelancers seeking health insurance might find what they are looking for with the Freelancers Union. The organization is free to join and its sole purpose is to support freelancers across the country. You can even opt for dental and disability insurance.
COBRA: COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1985 and it offers health insurance options for those individuals who recently resigned or were fired from their position. If you are leaving your current office to become a freelancer, COBRA could be a good option for you. But, keep in mind, it is not a long-term solution. Once you sign up for COBRA, you have 18 months to utilize the plan, and after that, you will need to seek a more permanent solution like individual health insurance.
Ultimately, there a number of health insurance options available to freelancers. With a little research, you can consider your options and then choose the plan that best suits you.
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