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How do I Get Health Insurance If It’s Not Offered at Work?
Health insurance is one of the most important things to have. If you or a family member gets sick or injured, your health insurance will cover the majority of the bill, minus your deductible. Most people obtain their health insurance through their employer or their spouse's employer, but what about people that work for small companies that don't offer health insurance? What about people that are self employed? There are options for these people as well. Having health insurance is vital; it can mean the difference between receiving treatment and staying sick. It can also mean the difference between affordable health care and bankruptcy.
If you work for a small company that doesn't offer health insurance or are self employed, don't despair. There are health insurance policies that are specially designed just for people in your situation. These policies are offered through a number of different insurance agencies, so shop around before you buy one; you may find a better health insurance policy with a lower premium at another insurance agency.
One option that is particularly appealing to those that are self employed is group insurance through a labor union or professional group. Many self employed people are members of professional groups; it has benefits beyond obtaining health insurance. These professional groups often provide group health insurance for their members. The Author's Guild offers health insurance to all of its members and the premium is based on the author's income. Many other professional groups have similar health insurance plans.
Labor unions often provide excellent health insurance options to their members. Labor unions tend to be very large, containing a lot of members. This translates to lower premium prices for each member; the more people available, the lower the health insurance premiums will be.
If you are unable to get health insurance through any of these means, you can purchase an individual policy. These health insurance policies are widely available through most insurance agencies, but shop around first. Individual insurance policies can be very expensive, so you'll need to find the best health insurance possible within your price range. There are insurance agencies that say they specialize in individual policies, but these agencies usually do not have the best prices around and many people can do better going through a local insurance agent.
Daniel Hathmore, from Boston, Massachusetts, was in just such a predicament. He was self employed and was unable to find affordable health insurance through the national insurance agencies. He finally decided to look around town and found and health insurance policy that he could afford and provided the coverage he and his family needed.
