What You Need To Know About Health Insurance If You’re Self Employed

There are many benefits when it comes to working self-employed. But when you aren’t employed by a larger business or group that offers health benefits, navigating the world of health insurance can seem daunting. That’s why the Michael Melle Insurance Group in Philadelphia is here with some important information people who are self-employed need to know about health insurance. Ready to get started with health insurance? You can schedule a call today!

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Important Healthcare Terminology

When you’re shopping for health insurance, it’s important to understand certain terminology and what it means for your plan.

  • HMO: A Health Maintenance Organization (HMO) plan requires you to have a Primary Care Provider who refers you for all additional care you need.

  • PPO: A Preferred Provider Organization (PPO) generally provides coverage both in- and out-of-network.

  • Deductible: The amount you pay out-of-pocket for covered services before your insurance provider starts paying.

  • Out-of-Pocket Max: The maximum amount you could pay for health services in one calendar year.

  • Copay: A set price you pay for all covered appointments, services, or prescriptions (until your out-of-pocket max is reached).

Do People Who Are Self Employed Need Health Insurance?

While you are no longer required by federal law to have insurance, it provides many benefits to help maintain your health and treat any accidents or illnesses. We encourage you to find a health insurance plan that fits your lifestyle so you can have your health needs met!


The cost of your health insurance depends on your income and the type of plan which you select.Subsidies are available to help bring down the price of your insurance. Our insurance team at Michael Melle Insurance Group will help you better understand your options and what the cost looks like for your needs — schedule a call with us!

Choosing the Right Plan

When it comes time to choose your health insurance plan, you want to make sure that you pick the right plan for you. There are different factors that you should take into account, like your healthcare needs, your lifestyle, and your budget. For example, if you have pre-existing healthcare needs, you might opt for a higher-priced plan with stronger coverage. Or if you’re out of town a lot, you might consider a PPO over an HMO plan.

Make your health a priority! If you’re self employed, schedule a call with our team at Michael Melle Insurance Group in Philadelphia to learn more about getting you covered with the right health insurance plan.