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Health Insurance for Stay-at-Home Moms

Many mothers today want to or need to stay at home with their children.  The decision for a mother to be a stay-at-home (or work-at-home) mom is a major one that requires extensive discipline and planning to successfully come to fruition.  Many stay-at-home moms – and their spouses, if they are married – have made a high priority of being directly involved in raising their children.  This priority may have risen out of a religious or philosophical persuasion or may have grown out of necessity due to costs of – and perhaps concerns over – childcare. 

In a two-parent home, it would be ideal if the couple were able to afford for the mother to stay at home with their children and not work.  For many people today – including stay-at-home single moms, this is not possible; for these families, bills will not be paid unless the mother is working.  Work-at-home moms are generally self-employed as freelancers or independent contractors.  As anyone else, someone who is self-employed needs health insurance to face the enormous costs of health care in the United States today.  Types of health insurance for stay-at-home moms are available, and this article discusses some of the available options.

 

Health Insurance for Stay-at-Home Moms: Health Insurance through Her Spouse

Most Americans today have health insurance through a group policy, for example through work.  Many stay-at-home moms, in a two-parent home, can receive excellent health insurance by being put on their husbands’ health insurance plans from work.  A couple should confirm this with the husband’s work or insurance company before planning on such coverage.  This seems to be the ideal health insurance for stay-at-home moms.

 

Health Insurance for Stay-at-Home Moms:  Health Insurance through an Individual Policy

Financial experts recommend that future stay-at-home moms plan ahead and save about six months’ worth of expenses as a precaution in launching a home-based business so as to prevent financial hardship as the family adjusts to the changes that a mother’s working at home will bring (e.g., a couple’s living on one income or a single mother’s managing through months of dropped sales and lost income).  Experts also recommend that women plan to earn approximately 30% more at home than they were – if they were working previously – from a former job.  So if a mother had been bringing home about $40,000 a year from an office job, she should set a goal of earning $52,000 from home, so as to budget for taxes and individual health insurance (health insurance premiums for families average about $10,000 a year.).  Many health insurance companies offer reasonable health insurance for stay-at-home moms – with special benefits.  A stay-at-home mom will do well to prepare ahead, if possible before working from home by comparing various health insurance companies and their rates, so as to make the transition to at-home work as enjoyable as possible for her – and her family.  State departments of insurance and health insurance brokers can simplify this project by providing objective, professional input. 

 

Health Insurance for Stay-at-Home Moms:  Other Options

Some employers offer benefits to employees who work part-time.  Though such jobs may be scarce at times, being aware of them may help a woman in her search for health insurance.  A stay-at-home mom may be able to work part-time during weekday evenings or on weekends (while a friend or family member watches her child or children) in order for her to secure health insurance.  Health insurance for stay-at-home moms might also be available through an at-home job, such working as a health insurance broker.  If a stay-at-home mom cannot secure any health insurance, government aid may be available to her.  Thirty of the fifty United States maintain insurance pools for individuals that are considered high risk.

Health insurance for stay-at-home moms is available, and through thorough research and with the help of qualified insurance professionals, stay-at-home moms – and their spouses, if they are married – can find the policies that best meet their and their families’ needs.  A free comparison health insurance quote is available upon request by entering one’s zip code at the top of this page.

 

Health Insurance with Maternity Coverage