Why Is Health Insurance for Independent Contractors So Important? 

As an independent contractor, it’s important to have health insurance. Many people don’t realize that being self-employed means you’re not covered by your employer’s health insurance plan. This can leave you vulnerable if something happens and you do not have any health insurance of your own.

Here’s why health insurance is so important for independent contractors, and how an insurance agency can help you get the best health insurance for your needs. 

These are some of the biggest reasons you should have health insurance as an independent contractor:

Without It, You Could be Left with a Huge Bill 

Imagine this: You get injured on the job and have to go to the hospital to have surgery. The total bill comes to $50,000. If you do not have health insurance, that will be a bill you’re going to have to pay entirely on your own. It’s not uncommon for people without health insurance to be bankrupted by medical bills.

With Health Insurance, You Can Get Preventative Care 

One of the biggest reasons to have health insurance is that it allows you to get preventative care. This means you can go to the doctor for regular check-ups and screenings, which can help catch problems early on before they become more serious (and more expensive to treat). 

It’s Important for Any Pre-Existing Conditions 

If you have any pre-existing conditions, it is even more important to have health insurance. A pre-existing condition is any condition you have before you get health insurance. Many insurance companies will not cover people with pre-existing conditions, or they will charge much higher rates. This means if you have a pre-existing condition, you should work with an insurance agency that can get you the best coverage for the best price. 

Peace of Mind 

Maybe most importantly, having health insurance gives you peace of mind. If something happens, you know you are covered. It’s one less thing to worry about in an already stressful world where unforeseen medical emergencies or accidents can happen at any time.