Just because you own a home-based Internet business doesn’t mean you don’t need adequate health insurance.
Self-employment does come with added expenses and cutting costs is important, but you should never take shortcuts with your health.
When it comes to work and well-being, here are five reasons why it’s important to have health insurance when working from home:
1. Anything Can Happen
It’s easy to avoid thinking about it, but the truth is anything can happen to you at any time. Just because you’re healthy today doesn’t mean something catastrophic won’t happen tomorrow, which is why health insurance is so important for you and the livelihood of your home-based business.
Having a solid health insurance plan in place will give you the peace of mind that you’ll be prepared for whatever life throws your way. Part of being a responsible business owner is taking care of you, so it’s important to find an adequate healthcare plan before it’s too late.
2. Health Insurance is Financially Responsible
Healthcare costs are on the rise and not stopping anytime soon. Saving X amount a month by not paying for health insurance may save you money in the short term, but not having health insurance will really cost you in the long run when health issues do arise.
On average, a trip to the emergency room can cost $750 or more depending on the treatment involved. Likewise, something as minor as a broken finger can cost upwards of $2,500 without health insurance coverage. If you want to avoid putting your home business and finances in jeopardy, then you need to have a health insurance plan in place.
3. Access to Preventative Care
Staying in good health is an ongoing process that involves regular access to preventative care. As the following article shows, preventative care will keep you healthy and your home business up and running, which is why it’s just 1 of “5 reasons it’s vital to have health insurance” coverage as a self-employed business owner.
Regular checkups and scheduling appointments with your doctor when you feel under the weather can become astronomically expensive without insurance. However, with the right insurance plan, you can get preventative care whenever you need it without breaking the bank. This keeps you and your finances healthy.
4. Affordable Prescription Drugs
Once you factor in the hospital visit and the price of the medication itself, prescription drugs can get pretty pricey, especially if you don’t have health insurance.
Having a health insurance plan that includes prescription drug coverage is less expensive than paying out-of-pocket for prescriptions.
In addition, having access to affordable prescription drugs also increases your recovery time.
5. Increased Productivity
Everything mentioned above speaks to one thing: your well-being. When you’re healthy, it translates to increased productivity. Considering you’re the brains and the muscle behind your home business, good health is the key to its success.
By enlisting in health insurance, you’ll stay in good health and, more importantly, you won’t have to worry about the cost of health issues that may come your way in the future. In other words, health insurance gives you peace of mind, which allows you to concentrate on the job at hand and increase your productivity.
When it comes to a healthy livelihood, it’s plain to see that health insurance really is your business.
Photo credit: Image courtesy of Mister GC at FreeDigitalPhotos.net
About the Author: Adam Groff is a freelance writer and creator of content. He writes on a variety of topics including personal health and home-based businesses.