Health • September 2025

Why Every Self-Employed Canadian Needs Health Insurance

Self-Employment

When you're your own boss, you're also your own HR department. Discover affordable extended health and dental options designed for solopreneurs and freelancers.

The Reality of Going Solo

Transitioning from a corporate environment to self-employment is exciting, but often means losing a safety net of health benefits. Prescription drugs, dental cleanings, and massages—once "free" or subsidized—suddenly become out-of-pocket expenses that can disrupt your business cash flow.

Tax-Efficient Benefit Solutions

Personal health insurance isn't just a cost—it can be a tax-deductible business expense for many proprietors. Plans can be customized to cover only what you need, from basic dental and drug plans to comprehensive vision and paramedical coverage.

Guaranteed Issue Options

If you're transitioning out of a job with benefits, you may be eligible for "Link" plans that require no medical underwriting if you apply within 60-90 days of losing your group coverage. This is a critical window to lock in protection.

"Investing in your health coverage is a direct investment in the longevity of your business."
— Rahul Jain
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