Health insurance is an incredibly important medical service in the modern world. It allows us to pay for needed medical services without going into horrible medical debt. This is one of the main reasons why many of the uninsured don’t get medical treatment for problems they need fixed. Being self-employed opens you up to various opportunities other businesses and people aren’t capable of having.
You are given the opportunity to acquire premium tax credits, which will go a long way for those struggling to have coverage. Luckily, there are also healthcare providers offering services at reasonably set prices. Insurance Line One starts their services at an affordably set price of 150 dollars a month. This is already much less than the nationwide average for health insurance.
Health insurance has a variety of different factors affecting its price and effectiveness. However, the main determinant for the prices of health insurance is the type of “metal” you choose. These “metals” will decide how much you spend a month and who you see. Depending on the “glamour” of the “metal” you can spend more or less in monthly premiums and out-of-pocket spending.
For instance, bronze packages are typically for people who want to save the most money for a low-tier assistance plan. You’ll have up to 60 percent of your medical bill covered, but at a monthly price around 388 dollars. Granted, there is going to be people who will want a bigger assistance rate, and you might be one of them. Thankfully, there are more available options for you to choose from; silver, gold and platinum.
Silver plans will cost you an estimated 428 dollars a month, but you’ll have up to 70 percent of the costs accounted for. To have 80 percent of your medical charges covered you’ll need to spend an estimated 507 dollars a month for a gold service. Finally, platinum packages are for those with heavy medical concerns, frequently pick-up expensive medication and/or see the ER commonly.
You’ll have up to 90 percent of your total medical bill covered, but you’ll need to forfeit around 583 dollars a month. Altogether, health insurance is capable of reducing your whole bill by more than half. There have even been reports of people having all of their bill covered. However, before you obtain this beneficial service you first need to identify what you qualify as.
Being self-employed gives you the ultimate work freedom. You are able to do what you please, when you please and get to pocket all the revenue. However, determining whether or not you are self-employed or a small business is important to know. The quickest way to identify yourself as someone who is self-employed is to look if you have any employees or an employer. Were you to have either of the two then you would be considered a small business in the eyes of most healthcare providers.
Once you’ve identified yourself as someone who is self-employed you are opening yourself up to new benefits. One of the main assists is the premium tax credits offered for people who qualify for them. In order to qualify you’ll need to figure out how much you make a year. Although, there are also categories you might fall under within the self-employment umbrella.
There are a couple types of self-employment you need to be aware of before making a decision, because you might apply to one but not the others. Sole proprietorship is a common form of self-employment. If people can’t differentiate you from the business then you are a sole proprietor. You are responsible for the revenue coming in and the debt accumulating.
To counter this, many people will form a Limited Liability Company (LLC) to protect their assets. This prevents them from going bankrupt were their company to flip under. You’ll also be able to pass-through taxes using this strategy. Finally, the most common type of self-employment people are aware of, freelancers.
Freelancers are able to pocket all of their revenue and work whenever they want. They can also work with a list of people while still maintaining self-employment status. Freelancers typically come in the form of a writer or a graphic designer, but other businesses can count as well. Being self-employed, you have to take care of all kinds of situations; marketing, distributing, performing, etc,. You shouldn’t tack on medical anxiety on this long list of tribulations.
The United States has an estimated 15.5 percent population of smokers. Smoking cigarettes has been shown to lower your lifespan while also increasing your chances of disease. People who smoke cigarettes usually do it to relax themselves during a stressful period. You might have even picked it up during a stressful work week. Nonetheless, smoking is still a major harm to the human body, particularly because of its increased chances of creating heart disease in your system.
Heart disease is the number one killer in the nation and many states. However, this doesn’t mean it isn’t survivable nor does it mean you are going to get it. The main problem is how much it costs to recover. It can cost anywhere from 30,000 dollars to 200,000 dollars. WIthout health insurance many people would go bankrupt, but you don’t need to be one of these people. Using health insurance can drop the price down to 3,000 dollars.
Health insurance is here to help you and prevent medical debt from bankrupting you. Insurance Line One understands this plight and provides services at a low price of 150 dollars. You’ll even be able to take as much time as you want making a decision, because of our year-round open enrollment policy. No one should be denied coverage because of a deadline.
“I am so thankful for Victoria. I am dealing with my father in Hospice and she has gone so far out of her way to help me. She has made the ordeal so easy for me. Victoria, thank you so very much.”
“I want to let you all know that Trae S. is a life saver! Because of him I will be able to get my much needed Insulin prescriptions and I am so grateful. He really took his time to get all the information he needed from me to help. You have a gem with him. Thank you from a grateful customer!”
I have to say, I called insurance line one yesterday, they took care of me right away, I felt good , and I recommend this company to anyone who needs health insurance, auto , life or commercial insurance. #great prices. #great rates #thanks again