Being a freelancer and having health insurance: it is possible
I bought my major medical expenses insurance in panic mode and paid for it for years without knowing what I had. This is what I learned when I finally understood my policy.
Hi, today I want to share my experience buying major medical expenses insurance and what it taught me. Because I wish someone had told me this earlier. 😊
I left my job (where I had health insurance through the company) and I only had a month to get another policy and not lose my coverage.
I bought it in panic mode, honestly. I chose MAPFRE because it was the first option I found and the one I could afford at the time. Without really understanding the coverage, without anyone explaining anything to me. I just knew I couldn't lose my coverage. 😅
And that's how it stayed. I paid for it for years without really knowing what I had. In fact, I didn't use it until I had a health problem and it became necessary to turn to it.
That's exactly when I realized I had paid for a treatment without using my insurance. I was frustrated and thinking about canceling it.
Right then I met Patty Carreón.
She reached out for help with her website, I told her my situation almost in passing, and she surprised me. She said: "Hey, we can recover those expenses."
We changed agents, she explained how my insurance really worked, and ever since then, whenever I've had an incident, she's there. Without trying to sell you something you don't need, she builds you an insurance plan tailored to your situation and your real coverage.
What helped me the most as a freelancer: being able to pay it in monthly installments with no interest.
Depending on your policy, you could be talking about $1,500 or $2,500 MXN per month. It's not little, but it's manageable when you spread it out. And that made the difference for me: I was able to keep my coverage without draining my savings, even in the tightest months.
If you're a freelancer or self-employed, having health insurance is an investment in yourself — you're not giving your money away, you're buying protection. And believe me, you can have it even if you don't have a steady job that provides it.
In the best case, you never use it. But if you need it, you're already protected.
If you're looking for an agent who really explains everything and advises you without pressure, I recommend Patty 👇
