Fortunately, there are a number of health insurance plans that are affordable (and provide excellent coverage) for self. Consider the following options:
individual health insurance: You can take a health insurance coverage in your own hands by buying individual health insurance. There are a variety of options for your budget and health needs. For those who have a tight budget consider a high deductible plan with low monthly payments.
Chamber Most people do not realize that their local chamber of commerce might be a good option for insurance. Many chambers of commerce offer small business plans that could be a potential option for you. Visit your branch to find out more about this type of plan.
Freelancers Union: Freelancers seeking health insurance could find what they need 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 a dental and disability insurance.
COBRA: COBRA is the Consolidated Omnibus Budget Reconciliation Act of 1985 and offers health insurance options for people who have recently resigned or were dismissed from their position. If you leave 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 use the plan, and after that, you will need to seek a more permanent solution as individual health insurance.
Ultimately, there are a number of health insurance options available to freelancers. With a little research, you can consider your options and choose the plan that suits you best.
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