How Do I Get Healthcare as an Independent Mechanic?

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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 20 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.


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Rigoberto

9 years of experience
706 reviews
Rigoberto
9 years of experience
Chevrolet Equinox - Brake Pads Replacement (Rear) - Niles, Illinois
Rigo was great! He got there early, finished the job early, left everything clean. He changed my rear pads and rotors. The original quoted time was 90 minutes, he was done in about 60. He knows what he is doing and I am recommending him to all my friends and coworkers.
Mercedes-Benz C250 - Brake Pads Replacement (Front, Rear) - Chicago, Illinois
Rigo is a maverick hands down. Don’t take your car for work elsewhere. Especially great at Mercedes—this guy knows his profession! I will be using him for everything related to my car going forward.

Arturo

25 years of experience
35 reviews
Arturo
25 years of experience
Kia Forte - Brake Pads Replacement (Front) - San Diego, California
ARTURO is great! very professional , fast, replaced my front brake pads and oil an filter change. everything now works and works well. Brakes have much improved stopping power and engine is smooth and quiet.Arturo is also kind and thoughtful. "Your mechanic" is very fortunate to have Arturo Lopez represent your company. I enthusiastically recommend him and "Your mechanic> as a fine operation Best regards to the Team Peter Marto
Nissan Maxima - Brake Pads Replacement (Front, Rear) - San Diego, California
Arturo was prompt and completed my brake repair, including new rotors in a very efficient manner. I am very pleased with the quality of the work and the parts and will definitely look to have him service our other car in the near future.

Scott

32 years of experience
345 reviews
Scott
32 years of experience
Lexus IS250 - Brake Pads Replacement (Rear) - Denver, Colorado
Always on time, speedy, professional, and pleasant to interact with. The work is always consistent and we'll done. I can't reccomend Scott highly enough!

Michael

10 years of experience
15 reviews
Michael
10 years of experience
Nissan Sentra - Brake Pads Replacement (Front) - Conyers, Georgia
He was promptly on time and got the job done efficiently in a timely manner. I really appreciate the rapid respone on getting the job done! I would most definitely use this service again.

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