Health Insurance for Individuals & the Self Employed
Across the United States there is an epidemic. It is not a disease epidemic, although it could lead to one, but an epidemic of the lack of health insurance among millions of Americans. Almost sixteen percent of the American people are currently without health insurance, which adds up to about 47 million people! Many of these people simply cannot afford health insurance while others do not have access to health insurance or health benefits through their employers either because such benefits are not offered or they are self employed.
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Who Should Have Health Insurance?
In short, everyone should have some form of health insurance. Many businesses provide insurance plans for their employees. Some plans are really good and cover all or most of the costs of medical treatment. Others cost less in monthly rates but don’t cover as many medical needs. Then there are employers that don’t provide health insurance at all.
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The Dangers of Insufficient Health Insurance
The dangers of insufficient health benefit coverage should be a top priority to everyone, since not having adequate insurance may deplete savings, ruin a credit rating, and possibly result in bankruptcy. Few need to be reminded about the increased cost of medical treatment during the last few decades. With malpractice insurance continuing to rise, doctors and facilities in all facets of patient care pass those costs along in their billing.
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Supplemental Health Insurance Options
Prescription plans and supplemental health insurance plans such as dental and vision care are usually not part of standard health insurance policies. Instead, users must purchase these plans separately.
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Health Insurance Options for the Self-Employed
One of the biggest concerns self-employed workers often have is locating, as well as being able to afford, health insurance for to help cover their medical expenses. Health insurance rates and deductibles tend to be high for the self-employed worker, leaving many self-employed workers without medical coverage in which they could afford. The following paragraphs will discuss some of the health insurance options available for self-employed workers.
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