As a contractor, you might think health insurance is unnecessary. However, there are several reasons why you should consider getting this coverage and choose a plan that fits your needs.

1. Preventative Healthcare

Even if you feel relatively healthy, preventative care is essential to maintain good health. With health insurance, you can afford wellness visits, lab work, and prescriptions to manage any current conditions you may have.

2. Great For Emergencies

As a contractor, you might find yourself in an unexpected situation requiring medical attention. With health insurance, you’ll have some financial coverage, reducing your overall out-of-pocket expenses, which can help you in the long term. The last thing you need to worry about in the middle of an incident is finances.

3. Cover Your Family

If you’re the sole provider for your family, you can use this policy also to cover them, ensuring they also have health insurance. You can get a policy that covers your spouse and all dependents living in the home. This gives them the same access to preventative care and health maintenance, helping them lead healthy lives and make good decisions.

4. Tax Incentive

While it may seem like another expense at the time, it can actually be a tax credit or tax incentive that you can use toward your business taxes. Taking advantage of all tax breaks for your contracting business is a great practice, so you should consider health insurance as an investment.

If you’re a contractor in or around the Bourbonnais, IL area, contact us at George Ryan Jr. Insurance Group Inc. for more information on a personal quote.