Construction workers face real injury risks every single day. But basic health insurance only covers your medical bills — not your rent, your car payment, or the weeks of income you lose while you heal. This guide breaks down exactly why basic coverage falls short for construction workers and 1099 contractors, what accident and disability insurance actually cover, and how to build a protection plan that keeps your health and your paycheck safe. Real numbers, real scenarios, and straightforward answers to help you make the right call before an accident forces your hand.