By definition, HDHPs carry higher deductibles than traditional health plans. So, HDHPs require you to pay more out of pocket before your insurance kicks in. But how much more? It could be less than you think. As you decide between health plans, be sure to calculate your true costs and long-term healthcare spending. Learn factors for consideration.
Depending on the type of work you do, you may need liability insurance, errors and omissions insurance, or both. Learning more about different types of insurance, what it does, and the risks of going without can help you to protect your business and ensure that clients can hire you with confidence. In addition to liability insurance, an independent contractor may need other forms of insurance, including errors and omissions insurance, workers’ compensation, and possibly a business owners policy.
Getting the right health plan at an affordable price can have as much impact on your finances as properly filing your taxes, and an even bigger impact on your health. But that doesn’t mean this task has to be as complicated as it seems. Following are reasons for why finding the right health plan is worth the effort—and how to make it easier on yourself.
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