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Re: Health care coverage for contract workers

Subject: Re: Health care coverage for contract workers
From: Dick Margulis <margulisd -at- comcast -dot- net>
To: Dan Garza <dangarza -at- houston -dot- rr -dot- com>
Date: Thu, 19 Oct 2006 13:40:01 -0400

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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References:
Health care coverage for contract workers: From: Dan Garza

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