Many employers offer employee health care plans, though the wave of the future focuses on wellness rather than treatment in many new company-sponsored policies. There are even some who say health care is currently under attack from politicians, many of whom are promising re-vamped health care systems contingent upon election in 2008. Yet, most of the health care focus remains on employer-sponsored programs, platforms and changes which leave work at home professionals completely out in the cold.

Health Care and Self Employment

When the focus is on health care policies offered by employers, the self employed still find themselves all alone. Those who work at home for themselves don’t have an employer to fall back on, no company-sponsored policy to take care of themselves and their dependents, no tax break for providing their own insurance. In fact, in most states the self employed actually have to pay an extra tax simply for being self employed. Work at home professionals find themselves paying money out at the end of the year for taxes, paying money out monthly for the cost of maintaining insurance and paying ‘til it hurts when it comes to health care costs in general. The only option for self employed professionals is often individual health care policies. The problem with these policies is that they simply aren’t very good.

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