Like most of you, I am a self-employed massage therapist. I receive no benefits, matching 401k contributions, employer sponsored health insurance, or paid vacation days.
Yes, there are days I would love those benefits.
However, I would never trade the freedom I have as a self-employed massage therapist for those benefits.
Choosing my schedule and having control over my professional life is far more valuable to me than employer benefits. This means, like most of you, I need health insurance for my family.
So, what is a massage therapist to do?
With the Affordable Care Act now in place, having insurance is not mandatory (or pay a fee), but now is affordable for many more people.
Finding the Right Policy with the Right Provider
What about insurance through AMTA and ABMP?
I looked into those. AMTA and ABMP partner with insurance companies, or have affiliate partners, to make some insurance policies available to members. I knew there are a lot of options out there, I wanted to look at all of the options before buying something right for our family.
I have read quite a few books about being self-employed and many of them recommend checking out eHealthInsurance. I decided to research them a little more.
I found out through research that the price of the policy online will be the same price as an agent quote.
eHealthInsurance has online/live customer service to answer questions. You can compare plans side-by-side, add maternity coverage, get short term insurance, or open a health savings account. I was able to research a plan that fit our family, our budget, and purchase it from this very chair.
I want to be sure to mention before I go that if you have kids that are uninsured, check with your state CHIP coverage. Income limits may be higher than you think. Many states recently increased the income limits to allow more children to be insured.
Health insurance is not something fun to buy, but it is important, and now it is required. What do you do for you or your family? Have you bought insurance from AMTA or ABMP? Opinions? Comments?
Whatever you do, stay healthy and get a massage!
To check out rates online, compare plans, and find a policy right for you visit: eHealthInsurance