If you are a freelancer or self-employed in New York State, you are still eligible for health insurance. There are various options to choose from depending on what your lifestyle involves and what health benefits you require.
Thankfully, you do not have to be employed full-time with a company to ensure that you will be covered should you encounter any medical emergencies.
Why You Should Get Health Insurance
Obtaining health insurance offers you financial protection and access to preventative care. It protects you from the financial burden of unexpected medical emergencies. With insurance, these costs can be relatively inexpensive and land you in years of debt.
Health insurance also typically covers regular check-ups and screenings, which encourages people to prioritize their health without having to worry about the cost.
Options for Freelancers and Self-Employed Individuals
In New York State, there are various options for freelancers and self-employed to choose from when it comes to making a decision on which health insurance plan works best for them. some of the options include:
EmblemHealth Insurance
EmblemHealth is the nation’s largest not-for-profit health plan that provides affordable plans for large groups, small groups, and individual freelance employees.
Medicaid
This plan provides comprehensive coverage at little to no cost, which is ideal for freelancers just finding their feet and self-employed individuals with low income.
Private Health Insurance
Freelancers and self-employed individuals always have the option to purchase health insurance directly from insurance companies. Some of the most popular providers in New York State include BlueCross BlueShield, UnitedHealthcare, Fidelis Care, Health First, and Oscar Health.
Qualified Health Plans (QHPs)
These comprehensive plans are offered through the state’s marketplace. Depending on your income, you may qualify for subsidies to reduce your premiums and out-of-pocket costs.
Just because you are not employed with a company that provides benefits for their workers, it does not mean that you are disqualified from seeking benefits yourself.
For further information regarding health insurance, contact us here today.
