Comprehensive Health Insurance for the Self-Employed
Being self-employed brings many benefits, but it also means greater financial responsibility. Among these responsibilities is ensuring you have adequate health insurance. At Health Plans of NC, we understand the unique challenges self-employed individuals face in North Carolina and are here to help you navigate your health insurance options.
Why Health Insurance Matters for the Self-Employed
-Financial Security: Health insurance protects you from unexpected medical expenses, ensuring you can focus on growing your business without financial stress.
-Access to Affordable Healthcare: Over 70% of self-employed individuals cite access to affordable healthcare as a major concern. Our agents specialize in finding cost-effective health plans that suit your budget.
-Tax Management: Understanding your tax obligations can be challenging. Proper health insurance can provide tax benefits and prepare you for your tax bill.
Health Insurance Options
-COBRA Health Insurance: If you recently left an employer-provided plan, COBRA allows you to continue your coverage for 18 to 36 months. It can be more expensive but provides a seamless transition.
-Affordable Care Act (ACA) Plans: Compare and purchase individual health insurance through the ACA marketplace. Our agents can help determine your eligibility for tax credits and guide you through enrollment periods.
-Short-Term Health Insurance: Ideal for immediate coverage needs, short-term plans offer quick approval but may have limitations such as excluding pre-existing conditions.
-Medicaid and CHIP: For those who qualify, Medicaid and the Children’s Health Insurance Program (CHIP) offer comprehensive coverage at reduced costs.
Choosing the Right Plan
Health Maintenance Organization (HMO): This type of plan requires selecting a primary care provider and offers lower costs but no out-of-network coverage.
-Preferred Provider Organization (PPO): More flexibility in choosing healthcare providers, including out-of-network coverage, suitable for frequent travelers.
Health Savings Account (HSA): This account allows you to save pre-tax dollars for medical expenses, often paired with high-deductible health plans.
Expert Assistance
Our licensed health insurance agents in North Carolina will help you find the best coverage. We can help you understand your options, compare plans, and ensure you get the best value for your healthcare needs.
Contact Us Today: Secure the right health insurance for your self-employed journey. Call us at 1-800-797-0327 or request a quote online.
Let us help you find peace of mind with comprehensive health insurance tailored to your needs.