Are you self-employed and confused about health insurance? I can see why! It's a confusing topic. Let me try and distill down the facts for you. YouTube: https://youtu.be/yKgyhD4QrlE

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Instructor: MikeVolkin
F r e e l a n c e r M a s t e r c l a s s . c o m

2. A f f o r d a b l e H e a l t h I n s u r a n c e
f o r t h e S e l f - E m p l o y e d
Lets you temporarily keep the same employer-based health plan you had at your old job for up to 18
months.
C O B R A
S h o r t - Te r m H e a l t h I n s u r a n c e
Short-term policies have high out-of-pocket costs and are unlikely to cover pre-existing conditions.

3. A f f o r d a b l e H e a l t h I n s u r a n c e
f o r t h e S e l f - E m p l o y e d
For everyone from caregivers to college alumni groups. But always read the fine print in these
situations to avoid paying more for a plan that gives you less in the way of health care compared to
going it alone in the Health Insurance Marketplace
I n d u s t r y - S p e c i f i c H e a l t h I n s u r a n c e
H e a l t h I n s u r a n c e I f Yo u ’ r e Pe r m a n e n t l y S e l f -
E m p l o y e d
• Private Health Insurance-plan that offer a wide range of benefits from access to in-network
providers and hospitals to annual checkups and preventative care. Contact an independent
insurance agent for details, or our friends at pogo.co
• Health Care Sharing Ministries-not technically “health insurance.” It’s more like a group of people
who belong to an organization like a church or ministry and pool their money together into a
fund.They use this fund to pay for major health care costs for the members in the group.

4. A f f o r d a b l e H e a l t h I n s u r a n c e
f o r t h e S e l f - E m p l o y e d
H e a l t h I n s u r a n c e I f Yo u ’ r e Pe r m a n e n t l y S e l f -
E m p l o y e d
• Health Care Sharing Ministries-good option if you’re healthy with no dependents, but there are
downsides. Namely, there are restrictions on what the ministry might agree to pay for. And
ministries are not regulated by the Affordable Care Act, which means they’re not required to
cover your pre-existing conditions.