Dental Discount cards are rapidly becoming the most popular and affordable dental care option for many families. Employers who were once able to offer full coverage dental insurance to their employees have been forced to withdraw the coverage to keep the basic healthcare costs at the lowest possible levels. Dental insurance is always one of the first casualties when cost cutting strategies are implemented.
Health Insurance has never been more important and complex than today. Below are many articles to help you navigate the maze of government regulations and opportunities so as a self employed person you can acquire affordable health care for you and your family.
Dental Discount FAQ by Andy Jones (Tuesday, December 17th, 2013)
Self Employed Health Facts 2 by Andy Jones (Saturday, June 2nd, 2012)
COBRA refers to a federal law passed in 1986 titled the Consolidated Omnibus Budget Reconciliation Act. Congress added to this budget bill several provisions related to employee benefits, including the right for an employee to continue insurance coverage after leaving a job. This is often referred to as COBRA continuation coverage.
Self Employed Health Facts by Andy Jones (Wednesday, May 2nd, 2012)
Many self-employed and other individuals in this country might see a monthly premium of $500 for a family of four as a real bargain! Why is Health Insurance so expensive? Aside from the cost added by burdensome government regulations, the nature of the market has something to do with it, along with the type of health plan.
Health Insurance Truths by Andy Jones (Friday, September 2nd, 2011)
The news media would have the small business owner believe that health insurance premiums are on the rise and out of reach for companies with less than ten people. First of all, the facts are very different. Secondly, the statistics quoted are erroneous and applicable only when referring to group premiums. Allow me to set the record straight.
HEALTH QUOTE by Andy Jones (Friday, September 2nd, 2011)
SelfEmployedWeb has grown over the years and it is evolving into a huge informational resource for the small businessperson and self employed entrepreneur. We get comments every day from people just like you who find the information here to be very helpful.
In the past, our health quotes were from an individual company which offered limited options from just a few companies. When we started SelfEmployedWeb in 2000, that was adequate for our visitors. We no longer feel this is the case.
eHealth HSA by Andy Jones (Tuesday, March 20th, 2007)
Hopefully you have read through some of the articles contained here and have familiarized yourself with the different aspects of an HSA. A Health Savings Account is a great way for a self employed businessperson to secure health insurance.
Health Insurance How-To by Andy Jones (Thursday, March 1st, 2007)
Being self employed for the last six years and a licensed insurance agent for part of that time period, I can relate to the problems of securing health insurance if you are self employed or a small business owner.
If you are self employed, health insurance is a must! You can deduct the insurance premiums from your taxes and the newer health savings accounts are designed specifically to meet the needs of the self employed entrepreneur or small businessowner. I am not going to go into the details of an HSA here but you can check out detailed information on this web site HERE.
Health Reimbursement Arrrangement by Andy Jones (Saturday, April 1st, 2006)
HRAs, or Health Reimbursement Accounts, were set up by the Federal government to allow employers to contribute to an account for their employees in conjunction with high deductible, consumer-directed health plans. These arrangements allow employers to provide funds on a monthly basis to accounts employees may use to pay for deductibles and other out of pocket costs in their health plans.
Finding health insurance that won’t make your company sick by Mike Miliard (Friday, September 2nd, 2005)
The task of choosing a health insurance policy for you and your employees can be daunting. Small business policies come with widely varying prices and a range of options for coverage that sometimes seem almost impossible to decipher. Worse, even the cheapest policies can seem absurdly expensive. But many of you no doubt feel that a robust health insurance plan is necessary to attract and retain a talented group of employees. Many of you also probably feel that it’s just the right thing to do. You care for the people who work for you and want to be sure they’re protected in the event of accident or illness.
NASE/MEGA Probs in AL by Andy Jones (Thursday, September 2nd, 2004)
MEGA Life’s Insurer’s practices questioned in Alabama As reported by the Mobile Register
Former clients, agents raise complaints about company’s ties to association About this time last year, Barbara Parrish sold Adrian Childers a health insurance plan backed by what Childers thought was an independent consumer group — the National Association for the Self-Employed Inc.
How an HSA Works by Andy Jones (Tuesday, July 13th, 2004)
How the new Health Savings Account insurance policy works – Health Insurance for the Self Employed Health Savings Accounts are gaining importance with the self employed IMPORTANT POINT: By far, the most common misconception about the new Health Savings Account Plans is that people can just use their existing Health Insurance policy because it happens to have a high deductible. In most cases, this is incorrectthe law requires a specially defined type of insurance policy, known as the HDHP (high deductible health plan). Although it sounds like an ordinary policy with a high deductible, that is not the case. The required HDHP policy has special features not found in most policies issued prior to the advent of the HSA(except for the MSA-qualified policies).
Nothing But Coverage by Doug Bartholomew (Monday, March 1st, 2004)
When Benjamin Franklin said, “In this world, nothing is certain but death and taxes,” he obviously wasn’t thinking about running a small business. If he had, insurance would have been right up there.
Self Employed Health Insurance by Jim McMeans (Wednesday, February 4th, 2004)
Health Insurance 101. Self Employed Health Insurance Advice
Self Employed Health Insurance Plans by Andy Jones (Monday, September 2nd, 2002)
Each and every time we speak to someone who is contemplating opening their own business or who has been on there own for years the same subject always comes up – self employed Health Insurance . Let’s take a look at what we are up against. You are only one self employed businessperson and you are not afforded any of the ‘breaks” the big companies receive. You are taken advantage of by unscrupulous insurance agents. In many cases, the real tragedy occurs when you use your insurance due to a catastrophic event and you find it lacking.
MSA’s Save you Money by Terry Savige (Monday, September 2nd, 2002)
NOTE: MSAs have been supplanted by the HSA. Click Here
Park a few thousand dollars in a Medical Savings Account to cover routine expenses and the savings are huge: Contributions and income are tax-free — and cheaper premiums can cover your investment. But not everyone can sign up.