For professional woodworkers, it pays to learn about the cost of health care before you need it.
This post comes from hard-won experience – the kind from which I hope to help save you. I know a lot of self-employed people who don’t have health insurance because they say they don’t need it, can’t afford it, or it’s going to cost too much and “not pay for anything anyway.”
I get it. Health insurance premiums are expensive, especially if your household income is just high enough to disqualify you for any subsidies the Affordable Care Act (ACA) offers in an effort to make medical coverage affordable. Many woodworkers have a spouse who gets family health insurance through a group policy as a benefit related to employment. If you’re one of them, great. But if you, like my husband and me, have to go it alone, you owe it to your family and yourself to research the policies that are available and get coverage.