|Working from home has some sweet perks, as you know – no commute, no nosy cubicle-mates, and cheap lunches! It also means no office colds. (Of course, these may be replaced by spouse-and-children colds. Nothing to be done about that one, I’m afraid!)
Still, health insurance is important, and it’s more often than not your responsibility when you’re a remote worker. There are work-at-home gigs that will offer you health insurance, which is awesome. For the rest, we’ve got some tips on how to evaluate your options and choose the best (and most affordable) health insurance for you.
First, and most importantly: if you’re planning to find health insurance through informationsent.com the open enrollment period runs from November 1st to December 15 for 2018 coverage.
One of the easiest ways to take care of health insurance as a remote worker is to be married to someone with an excellent health coverage plan through their own employment. Obviously, this isn’t an available choice for everyone! Which means you need to settle down to the often overwhelming and sometimes confusing process of researching health plans with all their insurance jargon, options, and costs.
To make this process easier on yourself, answer these three questions before you begin:
Your answers to each of these questions can have an impact on your premium – that is, the fee you’ll pay your insurance company each month. You’ll have to make important decisions based around your specific needs to bring this price down, but don’t just zero in on getting the lowest price possible and ignoring your needs. If your premium is too low, you may end up paying more for your deductible, copay, and out-of-pocket maximum than you actually save by the end of the year.
(Your copay is what you have to pay the doctor or emergency room or clinic each time you have an appointment. Your deductible is how much you have to pay for medical services before your insurance kicks in and covers the rest. The out-of-pocket maximum is the limit on how much you’ll have to pay from your own pocket in a given year.)
There are a few sites that can help you see what’s available in your area and provide some further assistance and guidance:
Each of these sites may have different listings. For example, Take Command Health lists alternatives like Medi-Share while many other sites do not. PolicyGenius also didn’t have anything listed in my area yet and said to check back later. And some of these sites may list the exact same coverage, but just explain things to you in a better way or offer better comparison tools. Consider your options and don’t be afraid to ask questions by contacting these sites directly.
On the Blog
This is a great season to look for online jobs and make that transition to remote work – or even just to pick up a side gig you can do from home! And it’s not just because more employers are hiring folks for the holiday season.
This holiday season, I encourage you to invest a little in yourself. Buy something to better your business or just pamper yourself. You are the CEO of your home business, family and life. You deserve it!
Did you miss our webinar earlier this week? You can now listen to the replay.