Should I speak to a health insurance broker now I’m self employed

Becoming self-employed can be an incredibly positive change. It offers you more freedom, higher earning potentials, and as long as you put the hard work in you are sure to find yourself becoming successful. The downside? You lose insurance policies from your former employer.

This leaves us with a common question, whether or not you should speak to a health insurance broker. The good news is that it’s a brilliant choice to make – as long as they are doing their job properly and you know how they work. Let’s take a little look at what they have to offer.

What is a Health Insurance Broker?

The job of a health insurance broker is to provide their clients with a health insurance policy that suits their needs. Generally speaking, they will be authorised by specific companies to act on their behalf, guiding their clients through the process.

This service can be used for those who are self-employed as well as businesses that are looking to get insurance for their employees. Since they are there to help you find the best coverage at the most affordable price, it offers a great deal of peace of mind.

How Do I Know It’s a Good Broker? 

This is a common question, and the key here is finding a health insurance broker that listens. They should be listening to your needs, as questions, and implement your answers in their search. They are there to take the time to understand everything you require.

As a self-employed person, it can often feel like you against the world. Your broker should understand this and seek to understand everything that makes your line of work difficult as well as the positives so that they can find you the best deal.

Why Use a Health Insurance Broker?

Finding your own health insurance can be difficult, and you might not always get the best price. A broker understands the struggles you might be facing and will help you through the process. It gives you peace of mind and also ensures you are getting value for money.

They also know the insurance lingo fluently, helping you to break down barriers and understand everything you are potentially agreeing to. Similarly, they will go through all of the fine print with you and will also be on top of the market trends at all times.

Do I Need Health Insurance When Self-Employed? 

Yes, health insurance is an excellent idea when you are working for yourself. The thing is, when you get sick as a self-employed person there is no sick leave or anyone to cover your shifts. When this happens, you need to know that you have coverage and security while you recover.

Without it, you risk getting into terrible debt and losing clients. Furthermore, you can worsen your health by continuing to work while sick as you cannot afford the time off. Health insurance makes those worries a thing of the past, allowing you to rest easy and focus on your health.

To Conclude 

Now that you have taken your first steps into the world of self-employment, it’s time to make sure your health is taken care of. A health insurance broker is the perfect way to get the coverage you need and at a great price too. All you need to do is make sure you find a good one that has your best interests at heart.

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