Many people would love to work from home, and there are dozens of reasons that we won’t go into here. Unfortunately a lot of people, including single moms and others who rely on their employment to provide them with affordable health insurance, loathe to give up this valuable benefit. They understand that in the event of a major medical problem with themselves or their children having no health insurance could spell financial disaster.
If you do have a home based business there are ways to get affordable health insurance which will make working from home less worrying. The first place to look is your state; you can find information about health coverage for home based business owners on your state’s .gov website. Some states offer extremely good coverage while others offer none at all.
The best person to speak to about health insurance if you do have a home based business is a real live local agent. These people are trained to know the best companies to approach for your needs and will offer you the convenience of being able to compare different companies’ policies before you decide, they are very well aware of people’s financial restraints these days and should do their very best to get you exactly what you need.
An agent will ask you a lot of questions about your past medical history and also ask you how much you can afford to pay as a deductible. Just like car insurance the higher the deductible you can afford, the lower your premium will be. Building a relationship with a local insurance broker or agent is a lot easier than speaking to somebody on the phone, I don’t know about you but I really don’t like giving extremely personal information to people I don’t know.
A health savings account is also another idea if you work from home. By opting for a health savings account you can have money available if an emergency arises. This is what it says it is – a savings account – it’s not health insurance per se.
Of course if you’re in good health, young and a non-smoker then premiums are going to cost comparatively less for you and you’ll find many companies who will want to accommodate you. If you do have a pre-existing condition you can still get affordable health coverage if you opt to exclude that pre-existing condition. Again an agent can discuss your needs with you.
If you have just left a job where you had health insurance you will be covered for up to eighteen months under COBRA but this is one of the most expensive alternatives. The premium you pay includes the portion that your employer was paying for you, that’s why it’s so expensive.
Medicaid is another alternative for some who may qualify.
It’s very easy to slip into bad habits when working from home and if you have no health insurance at all you should endeavor to stay healthy. If you’re in front of a computer all day, ensure that you get up and move around often. The best thing is to start your day with some strength training exercises and/or mild aerobics. Don’t drink sodas all day and eat unhealthy fat laden snacks. You will soon find the pounds piling on, followed by any number of other related health problems.
If you really cannot afford health insurance, you must keep your body healthy!
I believe that everybody should be entitled to quality healthcare without having to pay exorbitant prices for it. What is your view on the subject?