Penny Pinching Mom

One Bad Thing About Self-Employment

One of the bad things about being self-employed is not being able to get group insurance rates. I’ve thought about switching jobs so I could get insurance through work, but I am so close to being able to work exclusively for myself that I just can’t convince myself to go job hunting.

I’ve looked into health insurance, and the lowest plan I’ve come up with is almost $80 a month. That would be a good price if it covered a lot, but it was a very bare-bones emergency-oriented plan. And I need something that will cover routine doctor visits. Right now it seems that we would be just as well off to pay full price for doctor visits, because what we pay out in medical bills averages out to be less than what we would pay for insurance.

At least funeral insurance isn’t that expensive. It can be had for just a few dollars a month. Hubby just recently got it on himself through his work, but I need to get some on myself. It’s on my to-do list.