As I mentioned previously, there are certain professional organizations that offer health insurance plans. Becoming a member of an independent worker association or a professional organization can give you access to group insurance at discounted rates.
Do a quick search to find out what professional organizations are available in your line of work. If you’re looking for a more general option, check out the National Association for the Self-Employed, which offers help with purchasing health insurance coverage.
Short-Term or Temporary Coverage
While getting short term or temporary coverage is not a great long-term strategy, it can tie you over while you find something more permanent. Short-term insurance plans provide individual healthcare coverage for a defined period of time, up to 364 days.
These plans come with a renewal option so you can extend your coverage beyond the initial period. Many of these plans offer limited benefits and may not cover certain conditions such as pregnancy. Make sure you read the fine print before signing up for a temporary plan.
With that said, these can be a good option to help offset some of the medical risks until you can find a permanent health coverage solution.
Health insurance is so expensive! Here’s how to get health insurance when you are self employed.