Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. How Do I Get Healthcare as an Independent Mechanic?

How Do I Get Healthcare as an Independent Mechanic?

How Do I Get Healthcare as an Independent Mechanic main image

When it comes to auto technician jobs, most people only know about the ones offered by dealerships and repair shops. Usually, these are full- or part-time positions where you are paid an hourly wage and often some form of commission. However, there is also a third option where a mechanic may go into business for themselves. Working independently like this certainly has a number of benefits. For one, you’re basically in complete control of when you work, for how long, for whom and what kind of work you’ll focus on.

There are also some unique challenges, though. One in particular that you will need to address the moment you decide to work automotive technician jobs as an independent mechanic is how you will secure health insurance.

Securing health insurance through an employer

This is probably the best option to pursue, but it’s also a very difficult one when you are an independent contractor. Many of you may work for dealerships or auto body shops with the difference being that you help out when they’ve become overwhelmed with work or need someone with your unique skill set.

Whatever the case, you can try seeing if they’ll augment your auto mechanic salary by including benefits. You’ll make less overall, but you’ll have access to health insurance like any of their other employees would.

The reason why this one has such a slender chance of working is because, first of all, an employer is only going to go for this if they believe they’ll need you a lot that year. Otherwise, it’s simply not worth the money on their end. Furthermore, the Patient Protection and Affordable Care Act has very strict rules about how many full-time and part-time employees a company can have before they absolutely must provide insurance coverage, which makes it all the more difficult for a business to justify bringing on extra help.

Secondly, you’ll most likely only have luck with this approach if you proposition an employer with whom you have a lot of experience so they know you’re going to be worth it. For those of you just getting started, this probably won’t be an option any time soon.

Lastly, if part of the reason you love working independently is because of autonomy, understand that you’ll be giving some of this up by getting your health insurance coverage through an employer.

Going through the Patient Protection and Affordable Care Act

Since 2010, the Patient Protection and Affordable Care Act has been effective, enacted with the goal of making it easier for every American to find health insurance coverage at a reasonable price.

Using the provisions set forth in this law will most likely be the way you end up getting health insurance as an independent mechanic. Again, though, there are some important elements you need to know about.

First of all, if you have been working for yourself for a while now, you can’t just sign up. You’ll need to wait until November. There is a window that lasts until the end of January to sign up. Otherwise, if you’ve recently become an independent mechanic because you were laid off, you have 30 days to get coverage.

If you’ve just graduated from auto mechanic school or are otherwise unsure of how much you’re going to make working on your own, this is something you’ll want to spend some time figuring out. You don’t need to be 100% accurate, but your coverage will largely be based on how much you’re expected to make. Estimate too low and you’ll have to pay the government back at the end of the year.

Although you probably already know this, it’s worth bringing up just in case: not having healthcare is no longer an option. If you don’t secure coverage one way or another, you will have to pay a fine on top of your normal taxes. You can also expect to pay more if you ever find yourself needing medical attention.

Enough mechanics prefer to work independently that it clearly has its advantages. At the same time, it’s not without some hoops to jump through as well. Perhaps the best example of this is the need to find health insurance for you and your family. While it’s worth trying to strike a deal with one of your employers, you’ll most likely need to go through the Patient Protection and Affordable Care Act which can take time if you’re new to it, so definitely get started early.

If you’re a certified mechanic and are interested in working with YourMechanic, submit an online application for an opportunity to become a mobile mechanic.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.


More related articles

P2513 OBD-II Trouble Code: Event Data Recorder Request Circuit Low
P2513 code definition The P2513 code relates to a fuel composition sensor circuit malfunction, most commonly stemming from an issue in the operation of the variable cam timing (VCT)...
P0477 OBD-II Trouble Code: Exhaust Pressure Control Valve Low
P0477 code means that the PCM has detected an abnormally low voltage reading often due to the exhaust back pressure control valve circuit.
P0523 OBD-II Trouble Code: Engine Oil Pressure Sensor/Switch High Voltage
P0523 trouble code means there is an issue with the engine oil pressure sensor often due to faulty wire connection or wrong engine oil.

Related questions

Q: What do I need to do to become a mechanic?

Today's vehicles are complex. To be a good mechanic, you need a basic understanding of all the core educational requirements including English and math. A good understanding of computers, both how to use them and how they work, is also...

Q: Career exploration

Hello, thank you for writing in. I would be happy to share some information with you. As with most careers, this field requires constant updates and staying on top of the latest technologies. If you are interested in this career,...

Q: Advice on working as a mechanic

I'm kind of unique because I learned from my grandfather, who was a mechanic at the corner of Texaco gas station in New York when I was a kid. So I learned hands-on from my grandfather. He wouldn't teach me...