It's a sad fact but still true - if you need to really look after yourself when you become ill or start to suffer from a malady - you need to be insured. You need a comprehensive health insurance policy that not only covers you for the worst thing that could happen to you sickness wise but also ensures you get top rate care as well.
So no big surprises there - you need health cover.
Now, if you work for the majority of companies in the US today - no problem. An in house Health Insurance policy will have you covered - in some cases your family can enjoy the protection as well for an additional premium top up which you'd pay - and the price you'd pay would be minuscule in comparison to what you'd have to pay yourself.
Ah - oh dear.
You're self employed or working for a company where HI isn't provided?
Hmm - okay - we have a solution that you can work with.
Firstly - any chance you can convince your company to start up a company health policy? Sure, there's a cost to the company but they can approach it by asking for employees to pay a contribution each month.
This means that you, the employee, gets health cover at a cost less than you'd pay on your own and the company gets not only part funding from you but also provides something to help motivate their staff as well as potentially stopping their staff looking to work elsewhere.
Which brings me to the second thing you could do. (Based on your circumstances and all and what's available, I know!) But - could you move job to a company that do provide health benefits?
Or - another slant on this - is there another company competing against your employers that do have a health plan? There is? Great - so, what would your bosses reaction be to you discussing with him a hypothetical offer you might have received from them which includes health! (You're negotiating here, trying to move your employer into recognising that the Health Insurance is a big issue for many and that they should get with the times!! You don't have to move if you don't want to but let your boss know that health plans feature in your needs!)
Lastly - you can look to the group health insurance plan way forward.
For many individuals, going down the group health plan road is by far the best way to go. If you've exhausted all attempts and options at work and they still won't join the rest of us in the 21st century, maybe it's time for you to consider either joining an existing group plan or consider starting one of your own groups up.
