A variety of factors determine the amount that applicants will have to pay for health insurance coverage. One of the most important variables in putting a price on health insurance is an applicant’s profession. Individual health insurance rates are directly tied to the amount of risk associated with a person’s job. Individuals who work in more hazardous occupations have significantly higher health insurance quotes than those who are employed at less risky jobs. Those who have hazardous occupations are likely to have much higher health insurance quotes. An individual who earns his or her living as a skydiving instructor has a greater risk of death or serious injury than someone who works as an accountant in an office. If an applicant is exposed to harmful chemicals or other toxic substances during the workday, as an oil-rigger would be, his or her quotes are also going to be higher than those of someone employed in a safer environment, like a schoolteacher.

All potential savings are not lost with the acceptance of a high-risk job, however. Health insurance quotes for people who have high-risk jobs and high credit ratings are similar to quotes for those who are employed at low risk jobs but have poor credit ratings. Keeping a pure credit record can help reduce the cost of premiums, despite having a high-risk job. An individual with a hazardous occupation should seek a health insurance quote from a company that specializes in high-risk insurance policies. These companies will provide a higher health insurance quote, but will also give applicants coverage despite the risks associated with their chosen profession. Other insurance providers might reject someone with a job they consider too hazardous to cover, but companies that specialize in high-risk policies will accept anyone, despite their means of employment.

Health insurance for self employed individuals may seem daunting, but there are many available options. People who have recently lost a corporate job may apply for COBRA, but those who are self-employed pay the full extent of their coverage, compared to around the 28% that corporate workers pay. Fortunately, those who are self employed can deduct their health insurance premium rates from their federal taxable income as long as the amount does not exceed that of their net income.

Anyone seeking health insurance will receive quotes based in large part on their chosen profession. People with hazardous occupations will receive a higher health insurance quote than those who have less risky jobs. Additionally, health insurance for self employed people is more expensive than for those employed by companies. Whether he or she is self employed or in a corporate setting, an individual’s job plays a large role in determining the cost of his or her health insurance.