Individual Health Insurance for Contract Employees

Health Insurance for contract employees is more common than ever.

We have seen many people take control of their work-life balance, exploring better options than the traditional employer-employee relationship. This shift has led to an uptick in Indiana contracted employees in the construction trades, trucking, IT, healthcare, and professional services.

There are many options available in the marketplace for health insurance. Under the Affordable Care Act, Hooser can purchase individual coverage that covers all pre-existing condtions, and you could be eligible for premium assistance.

Benefits for Contract Employees

The healthcare needs of contracted employees will vary. You may be looking for the lowest-cost policy as you are not incurring many medical services. You may also be inclined to purchase a policy that provides more coverage for digital medicine. Video medicine is a growing benefit; you can receive general and mental health services through your phone. There are multiple carriers that have increased coverage for this type of service.

If you travel out of state frequently, all ACA plans cover the emergency room as in the network. If you temporarily work in a state other than Indiana and your plan does not have network access, you still have emergency room coverage. In the travel scenario, you may look at a carrier with network access out of state; some Indiana carriers have limited out-of-state coverage.

If you are a contracted worker who needs family coverage, your family’s needs must be considered. This typically means that the plan will cost more, as you may want to elect more comprehensive coverage.

If you contact us with your specific situation, we can advise you on the best policy

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