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Subject:Re: Health care coverage for contract workers From:lorraine -at- lorraineflynn -dot- com To:techwr-l -at- lists -dot- techwr-l -dot- com Date:Thu, 19 Oct 2006 13:44:34 -0400 (EDT)
I use workingtoday.org for my health insurance. Its very cheap and covers
everything although the copays are higher than other posher plans like
Blue Cross. I am happy with it.
> 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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