Benefits of Short Term Health Insurance for the Self-Employed
April 6. 2019. Article By TopInsura.com Insurance Editors:
Being self employed is often a successful path to the American dream. You are free to run your company the way you see fit and have freedom in how many hours a day or when and where you conduct business. However, it also means you are responsible for covering all of your expenses including health insurance. Looking into a short-term health insurance option may be the best decision for you. Before you decide, understand some of the benefits of short term health insurance for the self-employed.
Access anywhere across the nation and portable
Sometimes as a self-employed business professional, you travel frequently. As you travel, it’s important that you are able to rely on your health insurance wherever you need it. It needs to go with you and short term health insurance plans are more flexible in this regard.
Flexible Timing for signing up
Many plans require you to sign up at a specified time of year which means if the timing is wrong, you will have a gap of time where you are not covered before you are able to attain the necessary coverage. Short-term health insurance is available to purchase any time of the year with coverage beginning as early as the next day.
Not only are premiums typically lower with a short-term plan, but the price doesn’t tend to rise sharply as the term expires. Short term health insurance often costs quite a bit less than marketplace plans.
If you decide to cancel or go with another option at any time, short term health insurance allows you to quickly and easily discontinue the policy with no lengthy commitments.
You have control over your own business, and with short-term health insurance plans you also have control over your policy. Traditional plans often come with expensive rates that cover a wide range of services that you may not need. Short term health insurance allows you to find a policy that is more customized to fit only the types of coverage that you realistically expect to need.
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