The freedom of being self-employed or working as a Freelancer has its tradeoffs in regards to security. Health Insurance benefits are an important factor when considering most Corporate employment options but with the self employed insurance packages are never included.
I love being self employed and have been mostly self employed or working in a freelance or contract based capacity for nearly 6 years now. Through shear luck, genetics, a healthy vegetarian diet and downright Taurean stubbornness , I have had not had the need for a Doctor or Hospital for the last 12 years. I have required eye care, but that is not so difficult to pay out of pocket.
But that bubble will burst in my personal health someday and as ones family grows Health Insurance becomes eminently important.