Compare Plans: Short Term Health, Major Medical, Dental, Vision and Supplementary Insurance For Those Working In Construction.
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Health Insurance For Construction Laborers
Independent contractors should carry commercial liability insurance. That will help you if there are accidents on the job. Make sure you have individual health insurance in case you get sick and are taken off the job. Many independent laborers will pick up supplementary insurance for extra cash benefits if they can’t return to work.
Self-Employed Workers 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.
What Type Of Coverage Do You Need?
- Major Medical - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Supplemental Insurance - As low as at $45/month
- TeleHealth - Only $19.95/month, saving you hundreds in the long run
* Availability may be different in some States
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.
Free Health Insurance Consult
Need help finding the best plan in your price range? Call our licensed insurance call center for a free consult.
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How To Get Health Insurance When You Work In Construction
Many independent contractors 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.
When Can Laborers Obtain 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 you may drop your 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 owning your own business, 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. 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. Medicare is also available for the elderly, pregnant women and adults and children with disabilities.
Who We Are
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.