Independent Contractors - Flex Benefits

You love being your own boss. It allows you a creative schedule, the ability to work with people you enjoy, and the opportunity to fulfill your personal work goals. Yet, at the same time, health insurance is essential for anyone who is self-employed, primarily because you don’t get paid if you don’t work. Professional contractors and consultants who own their own businesses must keep healthcare coverage at the forefront of their necessary expenses to ensure preventive care is covered and any unexpected illness or hospitalization will help protect them from financial hardship. However, there are still high deductibles and copayments for services required out-of-pocket before the health insurance company is responsible for picking up a portion of the final tab.

That’s why it’s vital for self-employed individuals who own their businesses to have health plan benefits that include preventive care, hospitalization coverage and more. But with gaps in coverage due to high deductibles, protecting your business can be critical when the unexpected strikes.

Additional insurance coverage self-employed people should consider include:

• Disability insurance to provide monthly income when you are unable to work due to an injury.
• Accident medical coverage to cover your deductible and any doctor or facility copays if you incur a hospital stay.
• Critical illness insurance to provide deductible coverage

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