Innfo: Operating A Successful B&B
A Guide For The Serious B&B Innkeeper
Health Insurance
for the Bed and Breakfast Innkeeper
January 29, 2006
by Kit Cassingham
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B&B innkeepers too often overlook health insurance when they are making their budgets. Affordable health
insurance can be gotten as individual health insurance, self-employed health insurance or group health
insurance. Cheap or low-cost health insurance may not give you the coverage you need, unless you combine
it with a health savings account. Be diligent in getting good health insurance coverage.
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Health insurance is a "must have" coverage for bed and breakfast
innkeepers, even if it seems expensive. Depending on your general health, there are affordable health
insurance policies available, but any health coverage is better than paying all of your own care should you
get sick. Group insurance insurance is available through various associations you belong to, and if that's
not an option find individual health insurance. Group health insurance versus self-employed health
insurance coverage will give you the same sort of coverage if you shop carefully..
Consider using an insurance broker to help you find the low cost
health insurance policies that will suit your needs. There are lots of good health insurance companies out
there, and a broker can connect you with them. One way to create cheap health insurance premiums is to have
a high deductible. Ask about short-term health insurance and compare it to long-term health insurance for
coverage, effectiveness, and pricing. Shop for health care insurance that is good in your location, for
your age bracket, and health level -- that's the best health insurance for you.
Once you find several health insurance plans that seem good,
compare the health insurance policy options to see how they differ. One way to keep your health insurance
cost down is to treat your health insurance plan as a major medical health insurance, and then cover the
daily or routine treatments with a Health Savings Account. You get pre-tax money to take care of health
maintenance, and then if a serious or long-term health problem arises, you have that coverage available.
Invest in your health with a good health insurance policy. You
have your assets to protect, along with your health.
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