Why Health Insurance Can’t Be Overlooked

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For small, independent business owners, health insurance cannot be overlooked.

Maybe it’s easier to acquire it when you work for a big corporation and most of the work is done for you, but that’s no reason not to purchase it when you run your own home Internet business.

We all know the reasons why – no one plans to get sick or injured and costs accrued there be financially devastating. Health insurance can help you out.

Even More Important When You Work for Yourself

Those with health insurance tend to stay healthier than those without.

They are more apt to seek medical attention when not feeling well, therefore can get better sooner with appropriate treatment.

Prescription medication is less expensive as well; again, people are more willing to get it when insurance pays for it (or at least some of it) and get on their way to healing quicker.

You’ll also be more inclined to seek preventative care, like immunizations, vaccines, and screenings. When you run your own business, you can’t afford to miss work due to illness.

There’s often no one to cover for you and it’s like throwing money out the door. You can even lose clients which will continue to affect you in the long run.

Don’t Let Cost Scare You

Yes, health insurance is becoming so exorbitant in price that it’s getting to the point where many people consider going without.

But even if you own your own home business, you can try to find some group rates (which are usually cheaper).

Contact any local business organizations or your Chamber of Commerce for information. You can also investigate some trade and professional organizations in your field to get into a group rate.

You may not have as many options as if you were with a larger company, but you should be able to find something, at least basic coverage on your own that you can afford.

As the following article shows, choosing a health insurance plan may not be the easiest thing, but it is doable.

According to Towers Watson, health care is at an all-time high cost and is expected to continue to rise in 2015, possibly going up another five percent in cost.

Meantime, a Cincinnati.com story reports that private health care will be going down in 2015 due to increased competition. Much of this depends on your state and specific location.

You can do some price shopping by contacting an agent who specializes in those who are self-employed or look around yourself online or make some calls.

Whatever the case, don’t let yourself go uninsured.

Though you may not be planning on needing it, you never really know what’s around the corner.

Better safe than sorry.

Photo credit: Image courtesy of Stuart Miles at FreeDigitalPhotos.net

About the Author: Heather Legg is a freelance writer who covers small business and healthcare.

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