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Health insurance choices

Your health is vital not only to you and your family, but also to your business if you are self-employed. For many people, having health insurance is the key to protecting their health. As a self-employed individual, it can be hard to know what to look for in a policy. What should you consider? 

As the boss of your business, you need to make decisions about your health insurance options.

Are You a Business?

If you are self-employed and you do not have employees, the government views you as an individual. 

That means that when selecting health insurance, you will need to select a plan designed for individuals rather than businesses. It’s important to know that if you don’t have coverage, you may pay a penalty on your income taxes.

What Coverage Do You Need?

Before you can compare insurance policies and features, you need to consider your needs. One way to do this is to look back at your current use of medical care.

  • How many doctor’s appointments did you have in the previous year?
  • Were any of those appointments with specialists?
  • Do you use a specific hospital or other center that you do not want to move away from?
  • Did you spend any time in the hospital?
  • Do you have prescription medications you take on an ongoing basis?

The policy you select needs to meet these needs for you at minimum. But, it does not stop there. You also need to look forward over the upcoming year. Consider your health now. 

Do you anticipate needing additional medical care? 

It is also important to consider dental and vision insurance needs at this time. 

While you cannot see the future when choosing coverage, taking these steps can help cut some risks.

As a self-employed individual, pay close attention to the health insurance you need. Even as a business owner, you will need to have proper coverage in place. The right coverage can reduce not only your costs for medical care but also the need to pay a penalty later on.

In nearly all cases, it is possible to find a plan that meets each one of your needs and remains within your budget. Visit our website or call us today at (405) 373-2977 for more information on Oklahoma health insurance.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Please note that we cannot bind insurance via email, fax, or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used are not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.

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ECI Agency, Inc. | 325 Piedmont Rd N | P.O. BOX 600 | Piedmont, OK 73078 | Phone: (405) 373-2977 M-F 8am-5pm