RE: Health care coverage for contract workers

["Dan Garza" <dangarza -at- houston -dot- rr -dot- com>]

Texas. I looked at http://www.ehealthinsurance.com/

Seems pretty good? Is this a legit website? I hate buying fake insurance.


-----Original Message-----
From: Dick Margulis [mailto:margulisd -at- comcast -dot- net] 
Sent: Thursday, October 19, 2006 12:40 PM
To: Dan Garza
Cc: techwr-l -at- lists -dot- techwr-l -dot- com
Subject: Re: Health care coverage for contract workers

Dan Garza wrote:
>  
> Well its getting crazy paying for HMOs that barely keep you alive, ha ha.
> 
> Is there any low cost health care that anyone of you use that's worth 
> a darn?
> 

What state are you in? Eligibility rules and product availability vary.

One approach that works in some places is to stop thinking of yourself as a
contract worker and start thinking of yourself as an independent business
owner. In Connecticut, we didn't have to incorporate or do anything
different in terms of accounting (both my wife and I have unincorporated
businesses that we report on schedule C's on our personal return). In some
other states, I understand the rules are stricter. In any case, a commercial
insurance agent (someone who sells group policies to businesses) was able to
set up a group consisting of one person (in our case it made more sense for
my wife to be the one person; I'm her dependent for insurance purposes).
Once the group was set up, we picked an insurer (we had choices). Each
covered group member (the one we started with plus any that get added later
as employees) can then choose from an array of insurance products.

This got us better coverage for somewhat less money than we had before or
than we would be able to get as community-rated individuals. YMMV.

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