If you are a work at home Mom or maybe even a work from home Dad, you might have the benefit of having health insurance through your working spouse. Or you may be lucky and be able to have that stay at home job with a company that gives you health benefits.
Not everyone is so lucky and many people who have work from home jobs are really self employed. If you fall under the category of working for yourself, you undoubtedly have or have had the dilemma of where to get quality health insurance for self employed people. I have written about the many challenges of being self employed, and finding self employed health insurance is only one of them. We all need health insurance and finding it yourself when you are on your own can be a challenge.
Before you read further, if you are looking to find the best health insurance rates, there are several places you can go. The first is InsureMe.com where they will give you free quotes from all the major insurance companies including Aetna, Humana, Assurant Health, and Uni Care. The second place is NetQuote where they will also give you the best health insurance quotes quickly and they are free as well. It would be interesting to compare the quotes that you get from the two of them to see if they are the same.
The big debate in politics for the last 10 years or so is whether to nationalize health care. Many people feel that heath insurance and health care is a god given right and the government should take it over. The problem with that is that the government is usually a failure at whatever it does. Is the government social security system a success? No, as it will be bankrupt before I have the chance to get any of my money back. Are the government programs to help the poor a success? No, as we have just as many poor people as we ever have had. Does the government do a good job in times of tragedy? I think the victims of hurricane Katrina would answer no to that.
The only thing the government does well is to police the nation and to defend our country. Of course even that will have many people in disagreement. Why then should we ever attempt to nationalize health-care? If the government fails at almost everything it does, why on earth should we hand over the whole health care system too? The United States right now has the best health care in the world and this is evidenced by the fact that many people fly here to have their operations done. If you are in trouble health wise, the US is THE place to get the best doctors and care.
If the health care system were nationalized, finding health insurance for self employed would no longer be a problem. We would all have access to health insurance and health care but what would be the quality of that care? Right now, people in Canada and Britain have to wait in line for their health care. Do you want to wait in line to see a doctor? Waiting in line is OK at the supermarket but not at a doctors office or hospital.
It is true that some people have trouble finding quality health insurance and especially self employed health insurance. However, the system works for most of us and we do have the best health care in the world. Why would we jeopardize that? If we did nationalize it, more people might have access to it but the quality would go down. There is always a price and no system that will work for every single person.
The bottom line is that there is no perfect system where everyone will have the best health care at a price they can afford. Nothing in life works that way. America was born by people who wanted to limit the influence of government in their lives. I say, if you want government health care and health insurance, move to Canada or Great Britain.