If you live in Colorado and are self-employed, you might have questions on finding health insurance coverage that suits your lifestyle. With Very Good Coverage, you can discover how to compare costs for coverage.
How much you pay as your monthly premium depends on a host of factors such as:
While your monthly premium is an important factor that you should consider, there are other potential out-of-pocket expenses such as deductibles, copayment, and coinsurance you should also know about.
After you have discussed your premiums, you have to be aware of what your deductible would be. Finding the right plan means thinking about what your healthcare needs are to be for the year. For instance, a high-deductible health insurance policy can be a great choice if you are healthy and don’t seek healthcare too often.
Conversely, if you have health concerns requiring prescriptions and regular hospital visits, you might be better off with a plan with low deductibles and a higher monthly premium.
The next step would be to consider the copayments for specialists, doctor visits, emergency care and urgent care.
This can be a lot to wade through. That is why Very Good Coverage provides a seamless way to cut through the multitude of information to provide you with a quote that perfectly captures your health insurance coverage needs.
When searching for self-employed health insurance plans, you should search for plans that come with virtual doctor visits and telemedicine, as these are typically less expensive than in-person visits.
You might also want to open a tax-advantaged savings account like an HSA for health-related costs.
Check to see if you are eligible for subsidies or tax credits on your monthly premium.
Selecting a policy is an important decision that requires careful consideration and research. Should you have questions or concerns about finding the right self-employed insurance policy for you, Very Good Coverage is here to help.
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