How can I get medical help as an independent mechanic?

When it comes to auto mechanic jobs, most people only know about the ones offered by dealerships and repair shops. These are usually full-time or part-time positions where you are paid by the hour and often some form of commission. However, there is a third option, when a mechanic can start his own business. Such independent work, of course, has a number of advantages. First, you basically have total control over when you work, for how long, for whom, and what work you focus on.

However, there are also some unique challenges. In particular, the moment you decide to work as an auto mechanic as a freelance mechanic, you will need to decide how you will get health insurance.

Getting health insurance through an employer

This is probably the best option, but also very difficult when you are an independent contractor. Many of you may work in dealerships or auto repair shops with the difference that you help them when they are overwhelmed with work or need someone with your unique skill set.

Either way, you can try to see if they increase your auto mechanic salary by including perks. In general, you will earn less, but you will have access to health insurance just like any other employee.

The reason why he has such a small chance of working is that, firstly, the employer will only do this if he thinks that he will really need you this year. Otherwise, it's just not worth the money on their part. In addition, the Patient Protection and Affordable Care Act sets very strict rules on how many full-time or part-time employees a company can have before they are required to provide insurance coverage, making it even harder for businesses to justify hiring. to responsibility. extra help.

Secondly, you are only likely to get lucky with this approach if you offer an employer with whom you have a lot of experience to know that you are worth it. For those of you who are just starting out, this probably won't be an option anytime soon.

Finally, if you enjoy working independently partly because of your autonomy, understand that you will forego this by getting health insurance through your employer.

Passing the Patient Protection and Affordable Care Act

Since 2010, the Patient Protection and Affordable Care Act has been passed to make it easier for every American to find affordable health insurance.

Using the provisions set out in this law will most likely allow you to get health insurance as an independent mechanic. However, again, there are some important elements that you need to be aware of.

First of all, if you've been self-employed for a while, you can't just sign up. You will have to wait until November. There is a window that lasts until the end of January to register. Otherwise, if you recently became a freelance mechanic due to a layoff, you have 30 days to get coverage.

If you just graduated from auto mechanic school or otherwise don't know how much you're going to earn working on your own, it's worth spending some time figuring this out. You don't have to be 100% accurate, but your coverage will be largely based on how much you expect to earn. Too low an estimate and you will have to pay the government at the end of the year.

While you probably already know this, it's worth mentioning just in case: no medical care is no longer an option. If you fail to insure one way or another, you will have to pay a penalty on top of your normal taxes. You can also expect to pay more if you ever need medical attention.

Enough mechanics prefer to work on their own, which clearly has its advantages. At the same time, there were some obstacles. Perhaps the best example of this is the need to find health insurance for you and your family. While it's worth trying to secure a deal with one of your employers, you'll likely have to go through the Patient Protection and Affordable Care Act, which can take a while if you're new to it, so be sure to start early.

If you are a certified mechanic and interested in working with AvtoTachki, please apply online for the opportunity to become a mobile mechanic.