Self employment offers a lot of freedom for the lucky and dedicated people who make it their lifestyle. A self employed person has the ability to set his or her own schedule and to grow his or her career as high as the sky without needing to deal with the workplace politics that can stunt so many aspirations. Instead of waiting to be promoted, self employed people are able to take control of their career advancement. However, it can be difficult for any self employed person to take control of his or her health insurance.
Carrying health insurance costs can be a sizable burden, especially if you are just starting out a new career. Many people yearn to make the jump to being self employed, but even the most careful planners often underestimate the real monthly cost of health insurance. Before you decide to realize your dream of self employment, it is important to consider how much you may end up paying for health insurance if you do become self employed. Gather as much information as you can; find about the possible rates you will need to pay to cover yourself and any dependents that you have; and make sure that you factor those figures into your budget.
As a self employed person, you cannot take advantage of the kind of bulk rates that a traditional employer pays to cover his or her employee's health insurance costs, which is one reason why insurance rates for self employed people are so high. However, with a bit of research you may discover that you have access to a low bulk insurance rate through a non-corporate affiliation. Look into insurance programs related to educational institutions that you or a family member is affiliated with, and find out if your religious background might enable you to join an organization that can offer you a discount on your health insurance, like the B'nai Brith.
If you are not already a member of a group that can help you get an affordable health insurance rate, consider what groups you may be eligible to join. The Freelancer's Union was created in part for the purpose of allowing self employed people to get health insurance at discounted rates by bringing freelancers together. Look into options in your local community as well as nationwide organizations like this union. Sometimes, finding affordable health insurance as a self employed person is just a matter of being resourceful and thinking creatively.
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Overweight
By: irish | 11-09-2008
health insurance and discrimination,is it legal for a health insurance company not to insure you because you are overweight?
How to find peoples personal health insurance ...
By: amsm2 | 08-09-2008
how to find peoples personal health insurance information
Cheated Out of Health Insurance
By: Don | 04-09-2008
hawaii mandatory health insurance. Can my employer legally threaten to
cut my hours to disqualify me from coverage. I was asked to falsely state
that I had obtained coverage thru my spouse.
Health insurance????
By: coriandermay | 26-08-2008
my parents have been asking me and telling me so often about health insurance it gets quite aggrivating cause they ask about it so often.........right now I am working at a daycare and am really getting like 30 or less hours a week which isn't much for minimun wage of 7.25/hour....... I wanted to know if it is possible to work 2 jobs working about part time hours for both or at least one of them and be able to get health insurance especially with working a daycare job. I had looked a little online to see what was out there but havn't gotten far and not exactly sure what to look for but I do not want to pay alot for it either if I have to pay for it myself since I am not getting a big paycheck.......... what do u guys suggest??
Comments on United Benefits of America
By: Vickie | 25-08-2008
I'd like any comments on a health care company called United Benefits of America. They have been calling me several times each day and I'm not getting a good feeling about this company.
US health insurance optio sec 125
By: IanSalter | 18-08-2008
Your employer is a small business and does not offer pretax health insurance premium payments under sec 125 what can you do to pay premiums pretax?
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