Tuesday, July 18, 2006

Health Insurance Tips for Freelance Writers

When it comes to matters of medical insurance, many freelance writers find themselves at a roadblock when it comes to getting quality care at affordable prices. Health insurance for the self employed can be difficult to obtain and the wealth of information out there regarding this issue can be very confusing when you don't know where to start. Below, I've compiled the following tips to help you get the most out of your dollar when it comes to providing medical insurance for yourself or your family.

There are a few things freelance writers should know before jumping into the healthcare pool, and that includes deciding on the type of insurance that will meet your needs. Obviously, the type of insurance a single 20-something needs will differ from the insurance a 38 year old mother of two will need. If you were part of a job previously where your health benefits were taken care of, you may want to look through your old policy to see what procedures were covered as well as why you were or were not happy with your coverage.

Additionally, setting up a budget will ensure that you know exactly how much you have to spend each month on medical costs, and of that, how much can be afforded to an insurance plan. Budgeting is especially important when you freelance, because you're not always sure how much money you'll bring in during a given month. To begin your search for quality health insurance, it's a good idea to check with your chamber of commerce, as well as various Writer's groups and associations for the self-employed. They may be able to recommend specific companies to you to obtain health insurance from, and their expertise can generally be trusted.

Think of health insurance as an investment towards your future; purchasing health insurance now will ensure you have coverage in case something happens where you're injured or fall ill. It's important to at least research your options when it comes to health insurance so you are aware of the possibilities. Even better, most self-employed individuals can deduct their insurance expenses from their taxes at the end of the year, resulting in potentially thousands of dollars saved out of your pocket. Basically, do your research before purchasing any type of health insurance and you'll be able to make an informed decision based on what will best meet your needs.


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