Even if you are currently in good health, it's important to have a decent and affordable health insurance plan. While most full-time jobs have some sort of health insurance plan, freelancers and part-timers are often uninsured. Finding affordable health insurance may be challenging, but with a bit of research and planning, it is possible.
Step 1
Apply for health insurance while you are still healthy. Pre-existing conditions make it nearly impossible to find affordable health insurance. You can also reduce your costs by staying in shape, maintaining your ideal weight and not smoking.
Step 2
Apply for a job at a company that offers benefits to part-time workers. These include Starbucks, Barnes & Nobles, Nike, Whole Foods, REI, Nordstrom, Lowe's and Lands' End.
Step 3
Join a professional organization that offers health insurance to its members. Freelancers can join the Freelancers Union.
Step 4
Get prescription drug assistance. Some organizations, such as rxassist.org, offer discount prescriptions to people with qualifying incomes.
Step 5
Form a group. The website Health Insurance in Depth states that a group of five to 10 individuals can qualify as a group, which might entitle you to discount health insurance.
Step 6
Apply to your state's high risk pool. This is an option for people with pre-existing conditions.
Step 7
Get insurance for your children. Even if you make too much money to be eligible for Medicaid, your child can be insured through a program called SCHIP, which stands for State Children's Health Insurance Program. Call 1-877-KIDS-NOW for details.
Tips and Warnings
- Most doctors and hospitals are open to negotiation. Consider working out a reduced rate and a payment plan. Check to see if there are any clinical trials that support your illness. This is a way to get free treatment. Low-income families can apply for Medicaid
- Never ignore overdue medical bills. It can ruin your credit and make you ineligible for future employment. Discount medical plans are not full insurance. Make sure that your plan covers major medical expenses.
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