If you are hired, you can think of health insurance as a luxury. When you barely make ends meet, paying a few hundred dollars a month for something you may not need is not a priority. Or maybe you can’t find a health insurance company to insure you because of a pre-existing condition. If you do not have health insurance, you hope you are not sick. But if you do, your business suffers.
If you cannot get individual health insurance or if insurance premiums are out of reach for a particular policy, there are a number of ways to get low prices and discounts on health insurance and medical care.
Take a look at government subsidized programs.
Many states offer discounts for low-income families and business owners. Others have created risk pools. what makes your health care cheaper by spreading risk through a pool. people like employers with group plans.
Check with your health and social services staff to find out which health insurance discounts may be available to you based on your income. In most states, income acceptability standards are quite high, especially in states that offer help for premiums with private health plans. You can get a substantial discount on family plans by joining a state health insurance plan.
Join the health insurance plan
Many organizations have developed special discount rates with insurance companies for their members. You can find discounts on health insurance and health insurance through your chamber of commerce, the Association of Small Businesses, even the AAA Autoclubs or fraternal organizations.
Another option is the medical club discounts. For a monthly fee - usually around $ 30, you are eligible for discounts of up to 25% of the regular expenses for visiting the office, medical supplies and prescriptions as long as you use the participating suppliers. Check online to find a discounted medical club that has members near you.
Designate your taxes
As of 2003, if you list your taxes, you can deduct 100% of the cost of your health insurance for the year from your taxes. There are limitations and limitations, so check with your accountant or check the Internal Revenue Service website at http://www.irs.gov.
Shop around for the cheapest rates.
You can insure yourself with an individual health plan for less than $ 100 a month if you shop online at the best rates. In many cases, you can get online quotes for 10 different insurance companies and choose the one that suits you. You can even apply online and be closed within 24 hours.
Unexpected medical expenses can ruin your business. Some creative funding and unusual options for dealing with them can prevent this.
