Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Sep 15, 2020

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If you basically healthy, not yet eligible for Medicare, it might be thriftier to purchase a policy through a trade union or professional association. Another option is to buy a non-HMO policy that has a large deductible, a low premium, and save on out-of-pocket costs.

A better option would be to call other self-employed folks and ask them to steer you to insurers who have fair and well-priced coverage. Don’t leap, though, at every policy pitch; you don’t want to be broke within a year of two of paying outrageous premiums.