Home Painters

Compare Plans: Short Term Health, Major Medical, Dental, Vision and Supplementary Insurance For Home Painters.

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Health Insurance for Self-Employed Painters

As a contract painter, you have a career specific set of skills that makes the world beautiful. A fresh coat of paint on a house not only protects the exterior, but gives the owners the pride of the block.

You can make a home feel cozy with the interior paint colors you choose. They say, orange is an energetic color and blue can feel calm and secure.(1) There’s a whole psychology that revolves around color.

Whether you are an independent house painter or working with a commercial paint crew, having comprehensive health insurance will help cover medical costs should a personal accident or illness take you off your job. Having supplementary insurance can help you recoup lost wages and make copayments against your primary insurance’s deductible.

Making Homes Beautiful

How To Get Health Insurance When Are A Painter

Many independent and self-employed painters can find major medical plans on healthcare.gov. The government exchanges only carry ACA certified plans.
Another option for finding health insurance coverage is on a private health marketplace, like Smart and Simple Insurance. Private exchanges have more plans than healthcare.gov. You can find major medical insurance, dental and vision plans, short-term insurance, supplementary health insurance and TeleMedicine subscriptions.
The role of a private health marketplace is to enroll people into their insurance plans. Therefore, private health marketplaces have licensed agents. Compare and enroll with confidence!

Health Plans For Painters

You may get health insurance at any time. Though, there are restrictions and deadlines you may have to meet depending on the type of insurance.

Enroll Online

We believe getting health insurance should be easy and not the worst part of your day. Using the online enrollment center is quick and easy with a few keystrokes.

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Need help finding the best plan in your price range? Call our licensed insurance call center for a free consult.

Call Us: 1-855-826-0030

Most Home Painters Are Independent Contractors

There are over 242,000 house painting and decorating contractors in the United States.(2) Many are self-employed small business owners. You can assume there are liability risks in your profession. You or your customer could slip on paint spills. Ladders can fall and cause home damage.

When you operate your own painting business, you need liability insurance in the event that a customer makes a negligence claim. This type of insurance covers some of the cost if civil damages are awarded. Depending on the professional liability coverage you obtain, it may cover defense costs. Having general liability insurance may be required in the state you live in.

If you are a subcontractor, whomever you paint for with may have this insurance. Be sure to check.

Self-Employed Painters Need To Enroll In Individual Health Insurance

When you work for yourself, you do not have access to group health insurance. Apart from having business insurance, you need to keep yourself healthy. The importance of having regular medical exams and access to medication and treatment can’t be understated. In fact, the Affordable Care Act mandates that all US citizens carry a major medical policy that covers emergency room visits and surgical procedures.

Getting Started As House Or Commercial Painter

Most painters learn the trade on the job. Getting hands on experience is the best way to learn the ropes.

If the city you work in has a painters union, getting into an apprenticeship program is a great way to kick off your career. Unions are a networking resource which may lead to undiscovered jobs.

Trade schools are an option, but finding one with a painting-specific program is hard to find.

State Licensing And Registration For Painters

If you are looking to branch out and start your own painting business, you may need a state license or registration. A painting license is required in over 20 states in which you may need to pass an exam and proof of experience. Registration on the other hand is formal paperwork with the state. You’ll want to check state licensing requirements for painters before starting out.

When Can Contract Painters Enroll And Get New Health Insurance?

Enroll In Qualified Health Plans Certified By The Health Insurance Marketplace During Open Enrollment Periods

The federal government creates an “open enrollment period” where you may change your health insurance without a qualifying event. An example event is acquiring new health insurance if you were to become employed. This is when Rideshare drivers may drop their current insurance and find new major medical policies.

The certified health plans offered on the marketplace are required to provide essential health benefits, cover pre-existing conditions. These traditional health plans have limits on deductibles, copayments and out-of-pocket maximum amounts. These are policies that are similar to employer-sponsored insurance. These same policies can be found on private exchanges, like Smart and Simple Insurance.

You Can Enroll Anytime For Short-Term Medical Policies

Though the benefits are not as robust as an ACA-compliant plan, Short Term Health Insurance can save you money. These plans are recommended for persons that are in relatively good health. Short-term health insurance plans may deny any claims considered as pre-existing conditions. They may pay for treatments for medical conditions you may have had before the plan started.

If you are just getting started as an owner/operator, getting an affordable Short-Term Medical Policy will help you control costs from the start.

Check If You Can Receive Medicaid or the Children’s Health Insurance Program

If you are 65 years old and not receiving social security, you may have to sign up for Medicare(3). If you are not nearing retirement age, you may qualify for assistance through the federal Medicare program or Children’s Health Insurance Program, also known as CHIP.

Medicaid eligibility is determined based on your income from being a truck driver. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.

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Over four million people have obtained health insurance through our enrollment portals. With variety of products for customers to build an insurance plan specific to their needs, makes our offerings “smart” to have.

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