Q:

Is AWA a good health insurance to get?

A:

Quick Answer

Health insurance plans from the Affiliate Workers Association can be a good choice for a self-employed person who needs a short-term plan or who desires to purchase gap, accidental or dental coverage. Determining whether the insurance is adequate requires researching the various health benefit plans offered.

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Full Answer

As of 2015, AWA members can sign up for short-term medical plans offered by National Health Insurance Company, according to the AWA website. NHIC plans offered to AWA members typically have coverage terms ranging from six to 11 months. Health plan services include emergency room visits, hospital stays, doctor appointments, and mental and physical health care. Benefits are available for those in need of 24-hour nursing care or home health services. Gap insurance is a good option for those needing help with unexpected medical expenses. Separate dental and vision care plans are additional options.

Individuals engaged in professions such as contract construction work can obtain stand-alone accident insurance plans through AWA. Benefits offered include emergency room, hospital stays and outpatient care, according to AWA.

Self-employed professionals are able to shop for a variety of health plans by visiting the federal health insurance marketplace, notes HealthCare.gov. Applicants must fill out detailed applications, sharing information such as annual income and household size. It's also possible to estimate projected income to determine coverage eligibility. Freelance workers, contractors and consultants can choose low-premium health plans or plans with low out-of-pocket costs when medical care is received.

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