The Self-Employed MT's Guide To Getting Health Insurance

3 reasons to put getting health care insurance on your agenda & get a special offer on coverage

You're a self-employed massage therapist and you love it—but what if you become injured? 

As a massage therapist, you make your own schedule, set your own hours and—the best part—help clients get past pain and stress. But, as a self-employed individual, what are you doing about health insurance for yourself and your family?

Since you can’t access an employer-sponsored plan, what are your options? And do you really need health insurance if you’re a young and healthy person?

The short answer: yes.

Why? Anything can happen.

“If the COVID pandemic has taught us one thing, it’s that our health is always vulnerable and must be prioritized and protected,” Noor Ali, MD, MPH, CPH, a medical doctor and licensed health insurance professional told MASSAGE Magazine.

Read on for three major reasons to put getting health care coverage on your practice’s agenda—and soon, because the open enrollment period for Affordable Care Act exchange coverage closes May 15.

1. Giving Massage is Hard on Your Body

You may be healthy and rarely get sick. But what if you get injured?

Think of the parts of your body that work the hardest while you’re giving a massage—thumbs, shoulders and lower back, for example. A 2013 article in the International Journal of Therapeutic Massage and Bodywork noted that up to 80% of bodyworkers drop out of the industry after the first two years, many due to injuries and overwork. “Research has shown that massage practitioners are at high risk for various work-related musculoskeletal disorders including: finger or thumb, shoulder, wrist, neck, arm or elbow, and back,” the abstract explained.

If you find your ability to work hampered by an injury, explained Adam Hyers, president and owner of Hyers and Associates Insurance Agency in Columbus, Ohio, you may end up wanting or needing to see a specialist to get you back in practice quickly—something that could be very difficult to afford without insurance and without your regular pay rolling in.

"While [not having health insurance is] not illegal, it’s the same risk as driving around without car insurance,” he said. “If something happened, you could be running into some pretty big bills.”

2. You Have a Pre-existing Condition

Thanks to the passing of the Affordable Care Act (ACA) in 2010, it’s now much easier for people with pre-existing conditions, such as pregnancy, diabetes, cancer and other medical issues to get health insurance. According to the Kaiser Family Foundation (KFF, kff.org), “KFF has estimated that in 2018 about 54 million non-elderly adults in the U.S. (27%) had ‘declinable’ pre-existing conditions that would have made them ‘uninsurable’ in the pre-ACA individual health insurance market.”

For most individuals, the ACA marketplace is the best place to start looking for a health insurance plan, said Hyers.

“You can get on a plan, no questions asked. They have to take you, and you can get any plan on the marketplace that you want that’s available in your zip code,” he said. “They’re not going to ask you about health issues and underwriting.

“It’s also the only place you can get a tax credit,” Hyers added. “If you qualify for a tax credit, it’s the only place to go.”

Just be sure to go there soon—the open enrollment window closes on May 15.

Also, your health insurance premiums you pay may be tax-deductible. Ask your accountant.

3. There’s Something for Everyone

In the ACA marketplace or elsewhere, “There are health insurance options for every single person, at every single stage of life,” said Ali. “Working with an advisor really helps to draw out those options as insurance laws, offerings, marketplaces change all the time. There are plans out there that you may not even be aware of!”

For example, said Hyers, if you’re young and relatively healthy—and don’t qualify for the ACA tax credit—you may be able to cover yourself and save money with a short-term plan.

“They’re medically underwritten, so you can be turned down and they’re not necessarily going to cover pre-existing conditions,” he said. “But they can be much less expensive … I mean, they can be half as much as what you might pay on the [ACA] exchange.”

Start Your Search

If you remain uninsured, just one major medical issue, such as a heart attack or cancer, can easily put your business and your finances in jeopardy. “When uninsured people use health care, they may be charged for the full cost of that care (versus insurers, who negotiate discounts) and often face difficulty paying medical bills,” KFF’s website noted.

Research published in the journal Circulation found that for uninsured patients, the median cost of treatment for a stroke can be upwards of $30,000; and for a heart attack, $50,000 and up. 

While getting your own health insurance as a self-employed person is typically more expensive than taking advantage of an employer’s (or a spouse’s employer’s) health plan, MASSAGE Magazine Insurance Plus offers affordable access to ACA-qualified health insurance, short term health, telehealth plans, and more when you become a member.

“Not having health insurance,” said Ali, “is not an option.”

Protect Your Career & Your Health With MMIP

and save $20 on coverage

Policy Benefits

open enrollment has been extended through Aug 15, 2021

Concierge access to ACA health plans

Affordable rates on dental & vision insurance plans from MetLife

Discounted telehealth options

Free NCBTMB approved online CEs

Automatic coverage for 450+ modalities in one policy

Ability to practice in all 50 states with portable coverage

Policy Highlights

  • Professional Liability: $2 Million per occurrence / $3 Million annual aggregate
  • General Liability: $2 Million per occurrence / $3 Million annual aggregate
  • Product Coverage: $2 Million annual aggregate
  • Identity Protection Coverage: $25,000
  • Damage To Rental Premises: $100,000
  • Stolen Equipment Coverage: $1,000 ($250 deductible)

Testimonials

MMIP is my choice for liability insurance. They are reasonably priced and provide quite a few extra benefits, including free online continuing education and access to great additional insurance options. 

Suzanne - January 2021

Purchasing insurance through Massage Magazine was the easiest insurance experience I have ever had. My chosen insurance package includes many amazing benefits beyond great coverage. 

Angela - September 2020

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And save $20 on coverage 

It's no coincidence there's a "Plus" at the end of our name — MASSAGE Magazine Insurance Plus offers massage therapists access to more than just affordable A+ rated liability insurance coverage.

When you sign up with MMIP, you receive access to an array of additional insurance coverage options through our Insurance Marketplace including: concierge access to ACA-qualified health insurance plans, discounted rates on telehealth coverage, affordable dental & vision coverage underwritten by MetLife, tools to help you navigate life insurance plans and more.

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Bach Flower Remedies - Topicals
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Berry Method
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Bindi
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Bonnie Bainbridge Cohen System
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Complete Decongestive Therapy
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CORE Bodywork
Core Energetics
Corepower Yoga
Cranial Release Technique
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Critz Technique
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Crystal Therapy
Cupping
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Dr. Vodder’s Manual Lymph Drainage
Ear Candling
Eden Energy Medicine
Egoscue Method
Emotion Code
Emotional Freedom Technique
Energetic Transformation
Energy Balancing
Energy Healing Techniques
Energy Kinesiology
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Equine Reiki
Equirub

Equirub Equissage
Equissage
Esalen Massage
Essential Oils Massage
Facial Massage
Fascial and Membrane Technique
Feldenkrais Method
Feng Shui
Fertility Massage
Figian Massage
Fijian Massage
Fire Cupping
Five Element Shiatsu
Forearm Dance Technique
Four-Hand Massage
Full Spectrum Energy Medicine 
Functional Range Release
G-Jo Acupressure
Geriatric Massage
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H.E.A.R.T.
Hakomi
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Hoshino Therapy 
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Injury Massage
Innovative Pet Therapy
Insight Bodywork
Instruction
Integrated Awareness
Integrated energy Therapy
Integrative Accupressure
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Ionic Footbath
IP Touch
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Jin Shin Jyutsu
Kiatsu
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Kinessage 
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Kurashova Massage
LaStone Therapy
Lava Shell Technique
LED Lights
LHE Phototherapy (no lasers)
Light of Life Energy
Lomilomi
Longevity Energetics
Looyen Work
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Lymphedma Therapy
Lypossage
Macrobiotic Shiatsu
Magnet Therapy
Manual Massage Therapy
Manual vacuum Cupping (silicone/plastic/vacuum machine)
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Mechanical Link
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MELT Method
Mennell Massage Technique
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Mother Massage
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Multireflexology - Dien Chan
Muscle Activation Technique
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New Manual Articular Approach
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Niel-Asher Technique
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Orthopedic Massage
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Pfrimmer Deep Muscle Therapy 
PNF Stretches
Polarity Therapy
Positional Release
Postural Integration 
Practical Movement
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Pregnancy Massage
Prenatal Massage
Process Acupressure
Push Therapy
Qigong
Quantum-Touch
Raindrop Therapy
Range of Motion
Rapid Neurofascial Reset
Raynor Massage Therapy
Reconnective Healing
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Reflexology Instruction
Reiki
Remedial Massage
Rolfing Structural
Rosen Method
Rossiter Stretching
Rossiter System
Rubenfeld Synergy Method
Russian Massage
Rys Thomas Energy Medicine 
Sabai of Sa-wan Therapy
SacroOccipital Technique
Safe Touch Massage
Schulman Therapy
Sculpt Yoga
Seated Massage
Sensory Repatterning
Shen Jing Acupressure
Shiastu
Shiatsu Amma Therapy
Soma Neuromuscular Integration
Somatic Therapy
SomatoEmotional Release
Sound Healing Sound Therapy
SourcePoint Therapy
Sports Massage
St. John Neuromuscular Therapy
Steamy Wonder System
Stone Therapy
Strain-Counterstrain
Stretching Techniques
Structural Energetic Therapy
Structural Integration
Sugar Scrub
Swe-Thai Massage
Swedish Massage
Tai Chi
Tapping Techniques
Tellington Touch
Temporomandibular Therapy
Thai Herbal Compress Technique
Thai Massage
Thai Yoga Massage
The Healing Code
Therapeutic Touch
Therapy- The Diamond Method
Theresa Primmer Method of Deep
Thumper Massage
Tian Di Bamboo Massage
Tibetan Massage
Tim Tam
Topicals
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trager Work
Trauma Erase
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Tuina
Tuning Forks
Vedic Massage
Venus freeze
Vibrational Healing Massage Therapy
Visceral Manipulation
Warm Bamboo Massage
Watsu
Wurn Technique
Yamuna Body Rolling
Yuen Method
Zen Shiatsu
Zero Balancing
Zone Therapy

Massage Insurance Frequently Asked Questions

Do you have questions about massage liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by Massage Magazine Insurance Plus massage liability insurance? We’re here to help.

Why is a policy with an individual annual aggregate better than a shared annual aggregate?

Is there an extra charge for practicing more than one modality?

How soon will my coverage take effect?

What does my massage liability insurance not cover?

How do I add an additional insured to my policy?

After I have stopped practicing, am I still covered?

Who is MASSAGE Magazine Insurance Plus?

Can I add other massage therapists to my massage insurance policy?

Do you cover injuries encountered by hot stone services?

Is there a limit to the number of your free CEs I can take advantage of?

What is the difference between the types of liability coverage included in a massage liability policy? 

Am I required by the state to get massage insurance?

Is Reiki covered under my massage insurance policy?

Are there different levels of massage therapy insurance coverage?

After I have stopped practicing, am I still covered?

If a client falls off my massage table what does my policy cover?

Am I covered internationally by my policy?

Whether I practice in a spa or a client’s home does my policy protect me?

How do I renew my massage liability insurance policy?

Does Massage Magazine Insurance Plus offer an incentive for referrals?

Get Insured Today or Call (800) 533-4263 and Mention Code "HealthInsRenew" for a Personalized Experience