Are you self-employed? Do you own your LLC? Many healthcare insurances offer a wide range of plans, but how do you find the right plan for you? Health insurance protects you from unexpected medical costs. A short trip to the emergency room can cost you over $5,000. What happens when you injure yourself on the job? Companies providing health insurance in Tampa, FL offer affordable health insurance for self-employed workers.
Why Buy Health Insurance?
Health insurance is a necessary expense. You may think you are cutting corners and saving money without buying health insurance, but it is a very dangerous game to play. What happens if you are in a car accident? What happens if your child gets hurt and needs medical attention? An ambulance ride can cost thousands of dollars. Long-term hospital treatment may cost hundreds of thousands of dollars. An Affordable Insurance Team can help you find the best health insurance in Tampa, FL.
Are Less Expensive Plans Better?
A less expensive plan is not always a better health insurance plan. Although it is easier to pay the premium (the monthly fee), your deductible will most likely be much higher. For example, if your health insurance premium is $300 monthly, your deductible may be $5,000. On the other hand, if you pay $600 monthly, your deductible may only be $2,500.
If you have underlying medical conditions where you will spend a great amount of money visiting the doctor, a lower deductible may be a better option as you will reach it much faster. On the other hand, if you visit the doctor once or twice a year for a check-up, a higher lower monthly premium may be the best option. You can talk with a health insurance professional to help determine which plan is best for you financially and medically.
