For freelancers who recently quit a 9 to 5 job, one of the most daunting tasks is finding an individual health plan. Some freelancers may be lucky enough to have a spouse who can add them to their group plan, others must find another alternative. Strack Insurance Services in Arlington, TX has qualified representatives that can walk you through your options. In the meantime, here’s some information to get you started.
When Do Freelancers Need Insurance?
If you’re an entrepreneur, freelancer or self-employed, you have a few coverage options under the Affordable Care Act, based on the following circumstances.
If you lose or leave a job, you can get insurance anytime, regardless of enrollment periods. The Health Insurance Marketplace is often a better option than COBRA benefits. The grace period for applying is 60 days from when your insurance coverage ends.
If your income is unpredictable, you can still get insurance. Also, if you’re self-employed, you still eligible for coverage through the exchange.
Sometimes, the best option is a private insurer that caters to self-employed individuals. Rather than wade through all the options available online, work with a Strack insurance agent who is experienced in matching small business owners and freelancers up with the ideal health insurance plan.
What’s Happening to Obamacare in 2019?
The Affordable Healthcare Act had an open enrollment period for 2019, so plans are still available in 2019. If you experience any of the life event changes above you should be able to enroll even after the enrollment period. Your Strack Insurance Services agent in Arlington, TX can help you understand what’s available in your specific circumstances. Contact the office to schedule time to discuss your options and meet for a quote and to inquire about any other insurance needs you may have.