Once can purchase health insurance if they are self employed from a variety of different places. This includes health insurance companies as well as some state healthcare providers.
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If you buy an individual health insurance policy, you might find high rates if you have a history of illness or high risk factors. It's always a good idea to check for any group health insurance policies that you might be able to buy. The company that you work for may provide some group insurance, or if you're self employed, check with your town's Chamber of Commerce for trade organizations that you can join for a group health insurance policy. Group policies can cost less and can help you to avoid an unsatisfactory medical insurance plan when your risk factors are high.
Without knowing which occupation you are in, it is difficult to answer this question. But to start, a self-employed person will usually need to buy basic health or medical insurance, but since you will not be part of a group plan, it may cost you more. And if you are in a skilled trade, you should probably get liability insurance, to protect yourself against being sued if problems occur in the course of doing work for a customer. Some small business owners also have business insurance to protect their office and the property in it.
If you are injured in the course of self-employment, YOU alone pay your med bills. If unable to work after a work accident, you earn zero income. In many states, the self-employed CAN buy WC insurance from the state employment commission to cover those risks.
You can get health insurance qoutes at www.ehealthinsurance.com/. EHealth Insurance allows you to compare and buy different health options that are available.
University students can buy health insurance in Seattle from a number of companies and banks. One can get such insurance from Wells Fargo, Cigna Healthcare and Neighbourcare Health.
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A Chef could need the coverage depending on the work environment. Self Employed or Employed. If your a Chef working in the employ of another, the liability insurance requirement would fall on the employer and there would be no need for the Chef to buy it again. If Self employed, you should probably have General Liability Insurance Coverage. If you do need it, it would be called Professional Liability Insurance. Most companies would get this type of insurance for their chefs One question alluded to a client requesting proof of Workmen's Comp. insurance from a Self Employed Chef. In the State of Rhode Island, a sole proprietor does not need workman's comp. insurance for himself - only his workers if any. However, it would be prudent to carry a accident/disability insurance in case of accidents on client's property. The question of liability comes down to the fact that if the chef does not pay attention to the proper handling of food, people can get sick. Or they can also die depending upon if the person has a previous health problem. If health concerns are not attended to by the chef, he or she will have many problems. Cross contamination is a big problem in commercial kitchens as well as in home kitchens. The disability insurance is a good idea for injury. The liability insurance is an issue if the chef isn't handling the food correctly. It comes down to the training of the chef.
Yes...
Usually your financial advisor is there to tell you if you to need to purchase the insurance or not but not there to buy it from. In order to purchase health insurance you would have to go through a different company.
No, they can't force you to buy it from your job. You can buy your health insurance wherever you want too. That's between you and the insurance company you choose to purchase coverage from.