#Health Insurance Plans for Self Employed

[affordablehealthins]

Affordable health insurance plans

You can choose from a variety of plans of health insurance for securing the health of your employees from Affordable health insurance plans for small businesses. There are short-term plans, fixed-term plans, and ACA plans and you can choose the one as per your requirements and premium amount. You can enroll in any of these plans after understanding all the terms and conditions.

[naukrisambad]

A Guide to Finding Affordable Health Insurance

In today’s world, having access to affordable health insurance is for maintaining your well-being and peace of mind. However, finding the right health insurance plan that fits your budget be a daunting task. Fear not, as this article will guide you through the process of obtaining health insurance without sacrificing quality coverage. Understanding Your Health Insurance Needs to Finding…

[digitaltechpro]

Why is health insurance important to have health insurance?

Before knowing about health insurance let’s have some general idea about insurance. Insurance is a type of financial service that protects you against various risks associated with personal life or business activities. This risk can be due to sudden illness, accident, fire, or damage due to natural calamities, etc. These risks may cause you to suffer financial loss and financial compensation is…

[fitnessmentor]

A health plan is a comprehensive healthcare coverage strategy that offers financial security and access to medical services. These plans, such as the Inland Empire Health Plan, Superior Health Plan, and Tufts Health Plan, are designed to ensure individuals and families have affordable and reliable health insurance. Health plans come in various forms, including high deductible plans, HMOs, and PPOs, catering to different needs and preferences. They often provide coverage for doctor visits, hospital stays, prescription medications, and preventive care. Whether it's through public options like Medicaid or private insurers like Aetna, health plans play a vital role in safeguarding people's well-being and easing the financial burden of healthcare expenses.

[myobamacare-1]

Family Health Insurance Plans

While getting your health insurance, you must also consider including your family or getting individual plans. Therefore, to ensure that you have sufficient options in hand to choose from, MyObamaCare brings the best family health insurance plans. These special plans have different premiums, better coverage benefits and a lot more for you to avail yourself of.

[renstrapp]

Shoutout to all the self employed baddies who have the most minimal nonexistent health insurance out there. We gotta take care of ourselves! These are pages from my Heavyweight Desk Jockey World Champ zine.

I had some complications after getting covid last summer, and I'm still trying to claw back my health. Looking back on this comic and reflecting on how fleeting health is :') and also how malleable, how transformative, how you can fall and get back up again.

Anyway, that being said, I don't plan on reprinting these zines. I have just a few left in my online shop, and a few more for tabling events. But once they're gone, they're gone! Get yours for u or the desk job gym rat in your life.

[middleagedenragedmama]

Repealing the Affordable Care Act (ObamaCare) - What Does It Mean for Me?

Trump has made it clear that one of his first acts as president will be repealing Obamacare or the Affordable Care Act (ACA).  He has also made it very clear that he does not have a plan to replace the ACA.  Most people understand that the ACA allows individuals and families to purchase Marketplace health insurance coverage.  Marketplace health insurance is the best option for many self-employed individuals, as the US mostly depends on employer provided health insurance plans that are cost prohibitive to small businesses.

With the announcement that Trump won the election, I was reminded that many of you did not live through or were not aware of what healthcare was like prior to the ACA (enacted in 2010).  I wanted to get on my soapbox a bit to explain what the ACA did to help individuals and what the repercussions of losing these protections could mean.

Pre-existing conditions – Prior to the ACA, health insurance companies could deny coverage or charge more for anyone with a pre-existing condition.  If you experienced a lapse in coverage for any reason (even a single day!), health insurance companies could deny coverage for any pre-existing health condition as well as any complication that arose from that condition.  Pre-existing conditions were not limited to severe health issues, it was any health condition that you were diagnosed with (ex: eczema, asthma, migraines, cancer, diabetes).

If you had high blood pressure and switched jobs, there is typically a 90-day probationary period before your new employer health plan kicks in.  During those 90 days, you would need to obtain COBRA insurance to ensure that your new employer plan would continue to cover your high blood pressure.  COBRA plans can easily cost between $600-$1800/month, so you could spend $1800-$5200 during those 3 months to prevent a lapse in coverage.  If you cannot afford to pay for COBRA, your insurance lapses and your new employer plan does not have to cover your high blood pressure.  If you end up with complications later down the road such as kidney failure or a heart attack and the insurance company decides that this is related to your high blood pressure, they don’t have to cover the cost of those complications either.

Lifetime Caps – prior to the ACA, each health insurance would list a lifetime cap on their policy.  This was generally somewhere between $1-2 million dollars.  This was the maximum amount of healthcare charges that they would insure you for, and once reached, you would become uninsurable for that healthcare plan. 

A $2 million dollar lifetime cap sounds big right?  The average person will not be eligible for medicare until they are 65, so that’s 65 years of healthcare costs that need to be under that cap.  We have 2 major health insurers (Anthem and United Healthcare) with some minor plans in play as well (Cigna, Aetna, Humana, and a few others).  Prior to the ACA, I have watched parents switch jobs from one job that provided Anthem insurance to another job that provided another type of insurance just to make sure they didn’t reach their lifetime cap.  These were individuals that didn’t want a new job, they had to find a new job and the next year, when their new employer changed their insurance plan to what the previous employer had, they had to find a new job again.  Each time, they had to pay for COBRA to ensure that their families didn’t have a lapse in coverage, otherwise their pre-existing conditions wouldn’t be covered.

Healthcare is expensive in this country.  If you have diabetes, cancer, a heart condition, or any chronic disease, you will have no problem reaching a $2 million lifetime cap in a few years. 

Once a lifetime cap is reached, that insurance will not provide you with any insurance coverage.  You are uninsurable by that company.  If you reach that cap at age 30, you have 35 years until you get Medicare, and that’s 35 years of scrounging around for other jobs that don’t have that type of insurance.

There were annual limits as well, and the same applied.  In this case, once you reached the annual limit, they just wouldn’t pay any more healthcare charges, and you were liable for 100% of the costs after that limit was reached.

Disability - If you are deemed disabled by the Social Security Administration, it takes an additional 2 years before you are eligible for Medicare.  In the interim, if you can no longer purchase a Marketplace plan, your only option is a state-funded Medicaid plan.  In order to qualify for Medicaid, there are income limits.  Remember you just got approved for disability and depending on your previous work experience, the average disability check is for $1542/monthly, but could range up to $3822/month.  Do you have a little bit of a savings?  To qualify for most state Medicaid plans when you are disabled, your income needs to be <$1255/month and you can have a maximum of $2000 in assets (savings, stocks/bonds).  The average disability payment makes you ineligible for Medicaid, and if the ACA is repealed, you will not have an option for health insurance unless your spouse carries you on their employer provided insurance.   

Preventative Services – the ACA requires plans to provide preventative healthcare services at little to no cost.  This includes well baby checks, vaccines, annual physicals, annual gynecological exams, annual lab work, mammograms, and colonoscopies.  Before the ACA, we paid for these services, and many people just didn’t seek preventative care because they could not afford the cost, even when insurance covered a portion of the charges.

Emergency Care – the ACA requires emergency room care to be considered in-network.  Prior to the ACA, if you were out of state and experienced an emergency that required an emergency room visit, you were charged out-of-network charges.  Many plans wouldn’t cover out-of-network providers, so you were liable for the entire cost of the ER visit.  A rough estimate for the average ER visit is around $2600 but could be significantly higher depending on the reason for the visit.

Protections from Cancellation – the ACA made it illegal for your insurance to cancel you for costing them to much money.  Before the ACA, similar to homeowners or car insurance, if you had too many claims, they just cancelled your coverage.

Birth Control and Contraceptives – prior to the ACA, birth control pills, IUDs, and other contraceptives were generally excluded from coverage and you had to pay for these out of your pocket.

The ACA did much more than just offer Marketplace plans for individuals to purchase.  It’s easy to take these protections for granted now that we are almost 15 years out from when they were enacted, but do not doubt that healthcare in the US is a business.  Every day, insurance plans deny coverage for treatments because it’s too expensive, and doctors are continually frustrated by the red tape required by insurance to get patients what they need.  Insurance plans will not hesitate to go back to the way healthcare was prior to the ACA, as it’s more profitable for them to do so.  They do not care that patients will suffer, that people will die, and people will be financially crippled in the process.   

[sonicenvy]

I had another conversation with someone who didn't have health insurance today about ACA that she didn't know existed as an option. Ever since I got my first ACA plan last year after turning 26 I have been a big ACA fan because this piece of landmark legislation is the reason I have health insurance instead of being in thousands of dollars of medical debt. It bugs the ever living shit out of me whenever I see internet leftists saying things like "the ACA didn't do anything because it is not medicare for all." It really speaks to me about the privilege that these people likely have because they're not noticing the amount of monumental positive change and harm reduction that was made by the bill.

The ACA is a bill that is comprehensive, and walks, talks, and chews gum at the same time, and I think a lot of people who are either a.) too young to remember how health insurance in this country worked before the ACA or b.) have not had to get government subsidized health insurance because they have always had either their parents' insurance or employer insurance really and truly don't get it. I am obviously too young to remember how healthcare worked before the ACA because I am under 30, but I do have a mom who works in healthcare and lots of older relatives that talk about it a lot so I was pretty familiar with the concept despite this.

I am low-income, in school, and have an employer that doesn't offer me employer subsidized plans, so the ACA quickly became pretty important to me as a person with lifelong disability, higher than normal cancer predisposition and a need for lifelong psychiatric care.

Also, if you are in your 20s but under 26 and still on your parents' health insurance? Bam! You are directly benefiting from the ACA. Before the ACA you would not have been able to be on your parents insurance plan in your 20s.

Some things that the ACA did:

Made it affordable for people who are above the medicaid income limit and/or self-employed to independently purchase health insurance. Before the ACA premiums for independently purchased health plans could be $500+ for individual plans! If you were one of the many Americans who worked multiple part-time jobs that did not provide PT employees with insurance, you were basically fucked and uninsured. If you were a small business or self-employed, you were also fucked. The creation of the healthcare dot gov health insurance marketplace, which is open to anyone was a massive success of the bill, and millions of Americans benefit from it. During open enrollment (or after a specific life event such as "turned 26," or "became unemployed") a person can log on to health care dot gov, see a wide range of plans, and purchase one. The government then provides you with a premium subsidy (which is what your employer does for you if you have an employer plan) to lower the cost of the premium. Subsidies are calculated based on a person's income so people with lower incomes get higher subsidies.

Obviously there is some nuance, and a coverage gap with ACA plans for individuals who make above $60,000 (and are not a small business obtaining a group contract with an insurance company) where premiums are still very expensive because they are ineligible for the majority of the premium tax subsidy, which is a major ACA weakness, but for everyone in the $30,000-$55,000 gap and for owners of small businesses that want to offer plans for their employees, the benefits are huge. I am able to get a PPO with a low deductible, low OOP for less than $200/mo in premiums! There is exactly zero way that I would have been able to do that if I were trying to get insured pre-ACA.

Made it so that insurance companies could not discriminate against patients with so-called pre-existing conditions — so basically if you are disabled, the insurance company can no longer: a.) decline to provide you coverage or b.) increase your premiums/ reduce your plan benefits because you have a disability or get something like, oh, idk, FUCKING CANCER. Like there were people who got cancer and found out that their insurer dropped them because they did not want to pay out for expensive cancer treatment. That was a thing that was legal for health insurance companies to do before the ACA, and they fucking did that. The pre-existing conditions clause was one of the biggest benefits that has been touted since the beginning of the bill's conception and passage. Under the ACA, all health insurance companies are banned from denying plan applications for any reason, or from revoking plan coverage for any reason that isn't "patient stopped paying their premium." Made it so that children could stay on their parents' health insurance plans until they were 26 instead of being booted at 18. Made it so that all plans must provide some level of coverage for a list of specific EHBs (Essential Health Benefits) such as "emergency room care," "prenatal and pregnancy related care," "preventative care such as doctor recommended cancer screenings for patients" "office visits with general practitioners," etc.

If you have an marketplace plan or medicare/medicaid, that plan MUST provide you with contraceptives at no cost to you regardless of whether or not you have met your deductible. Democrats also wanted this to be true for all other plans, but unfortunately in 2014, whacko religious conservatives got themselves an exemption for "companies with fervently held religious beliefs against contraception" from providing this coverage in their employer subsidized plans in the bullshit case of Burwell v. Hobby Lobby Stores, Inc., which was decided by a conservative majority vote in the Supreme Court. A case which had other broad and shitty implications btw, and which is yet another example of why allowing weird conservatives to get elected to the presidency is bad for America. btw, in the original intention of the ACA they wanted to also include mandatory coverage for abortion services. Unfortunately, the Republicans (and a group of stupid pro-life dems who suck, and to my knowledge are not in congress now) torpedoed this provision despite Nancy Pelosi's best efforts and refused to pass the bill at all as long as this provision remained in it. Reason #10000000 Republicans suck.

Lots more that I'm not naming here, but I hope you get the idea. My point is that even though ACA was not a medicare for all bill, it was a landmark (and very needed) piece of healthcare reform legislation that changed a lot about the landscape of health insurance in America. Tragically, right wing and far left smearing of it has obscured the truth about the many good things that the bill did do. Was it perfect? Absolutely the fuck not! Even Obama himself admits this. What it was was a major victory against injustices in the system, and a massive piece of harm reduction legislation, and I wish that more Americans credited it for the things it did do.

Dems managed to get the bill passed with the vast majority of their highest priorities still in it despite major republic ratfuckery combined with a minority of independents and dems who sucked. Pelosi walked circles around these fuckers day and night to get this bill passed, and I for one am deeply grateful. Because of the ACA I can get the healthcare that I desperately need as a disabled person with higher than normal cancer risk. I can get my desperately needed medications and see all of my doctors because of this piece of legislation. I was able to get surgery to remove CANCER from my body becuase of this legislation, so yeah, fuck everyone going "the ACA is bad because it's not perfect medicare for all." Girl (gender neutral), I (and many other people) would not be surviving if it were not for this bill, and I for one, think that that is a whole heck of a lot better than all of us dying because y'all want to wait for perfect legislation. Harm reduction is good and is an important step on the road to bigger and better change. Universal health care has risen to more popular and broad public opinion/knowledge because the ACA passed.

Yeah, anyways this is rant about how fucking stupid anti-ACA people are. To deny the gains of meaningful healthcare reform is a clear sign of privilege, ignorance, and tunnel vision that lets perfect be the enemy of good or better.

This is also a post about a clear and obvious way that Dems are infinitely different (and better) than republicans. Voting dem is harm reduction. Not voting, voting third party or protest write in voting is a vote for republicans. And republicans??? They give exactly zero shits about anyone other than themselves. They support stupid and insane religious conservative politics, and look to fuck over the American people (and everyone else abroad) at every turn because they don't believe in helping people; their convictions are all about hate, prejudice, fearmongering, and a right-wing Christian Theocracy. They would rather see millions of people die than give dems a win, because they are spiteful and hateful. They want us to be afraid, disengaged, disorganized and fighting one another, because their ideas, convictions and beliefs are deeply unpopular, and if we organize against them, they will lose.

[bitchesgetriches]

Hello wonderful Bitches! I recently completed a health and wellness coaching certification and am working on a personal training certification as well. I'd like to start my own business as a coach and trainer, but I have no idea what logistics starting a business entails. I know I need a product/service, social media, biz phone number and email, etc. But I don't know what other logistics I need. I don't know how to set up payment plans, do scheduling (I've heard Calendly is good, but if there's something better...), etc. Since I'd be doing personal training, I need liability insurance and I have absolutely zero idea how to get that.

Do you have any tips or resources for someone starting up a service-based business? A convenient checklist for my ADHD self, maybe? There is no one I trust more than Piggy and Kitty to help me get started on this!

That's us: your #1 source for trustworthy internet advicing! And we take our responsibility very seriously, my pet.

... which is why we strongly recommend our girl Katelyn, the Freelance CFO. She helps small business owners get started all the time and set up with all the billing and insurance stuff. We strongly endorse her work, and she helped us write our two-parter on starting your own business:

Becoming a Millennial Entrepreneur (In the Midst of a Pandemic) With Katelyn Magnuson

11 Awful Mistakes I Made as a Self-employed Freelancer, and How You Can Avoid Them 

If you liked this article, join our Patreon!

[lisabs]

Health insurance agency

Welcome to Trek Insurance Solutions - Your partner for personalized insurance coverage! our team specializes in tailoring unique insurance solutions to your needs. From Medicare and Life Insurance to Retirement and Health Insurance, we provide a client-centric experience focused on trust and customization. With Trek Insurance Solutions, embark on a journey of confidence today! Our company specializes in the following categories: *Travel Nurse Health and Life Insurance *Federal Employee Disability Insurance *Medical Professional Disability Insurance *Medicare Beneficiaries Cost Savings Programs *Self Employed Life and Health Insurance *Customized Plans to reduce future Tax burden *Long Term Care visit our website for more details

[naukrisambad]

Navigating the Health Insurance Marketplace In 2024

Health Insurance Marketplace: In the realm of healthcare, access to quality insurance coverage stands as a cornerstone of well-being and financial security. The Health Insurance Marketplace, established under the Affordable Care Act (ACA), serves as a vital platform for individuals and families to explore, compare, and enrol in health insurance plans tailored to their needs. In this…

[digitaltechpro]

How to Choose the Right Insurance for Your Needs

Insurance is an essential component of economic planning that affords safety in opposition to surprising events, ranging from accidents to herbal disasters. With a variety of sorts of insurance plan available, choosing the proper policies to meet your desires can be overwhelming. However, appreciation the key elements and concerns can assist you make knowledgeable choices tailor-made to your…

[rhizomehaunt]

genuinely don’t know what to do about health insurance because i make "too much" for medicaid but can’t afford any plans in the marketplace, how am i supposed to afford an additional $5k yearly in expenses (not even counting the out of pocket limit of $9k) on top of student loans and rent and self employed taxes which are already 25-30% of my entire yearly income HA. fuck this country

[myobamacare-1]

Health Insurance for Self Employed

Health insurance for self-employed people is also a possible option now! Gone are the days when you were counting on being a full-time employee to avail insurance by the company itself. But now, with our affordable insurance policies, self-employed people can also get their insurance easily. Connect with MyObamaCare today, and we shall give you a list of available plans for you to choose from.

[mdlearning]

Working in Sweden

Working in Sweden as a foreign national can offer unique opportunities in a country known for its high standard of living and progressive work environment. Here are key steps and considerations for working in Sweden:

1. **Visa Options:** Determine the appropriate visa pathway based on your qualifications and intended duration of stay. Common work visa categories include:    - Work Permit (Arbetstillstånd): For individuals with job offers from Swedish employers.    - EU Blue Card: For highly skilled non-EU nationals with a job offer in a profession requiring high qualifications.    - Working Holiday Visa: For young people from certain countries to work and travel in Sweden for a limited period.

2. **Job Search and Networking:** Research industries and job opportunities in Sweden that align with your skills. Networking, job boards, and industry events can help you find job openings.

3. **Job Offer:** Secure a job offer from a Swedish employer if required. The employer will typically need to demonstrate that they have been unable to find a suitable candidate within the EU/EEA.

4. **Work Permit Application:** If applying for a work permit, your prospective employer in Sweden will usually initiate the application process. They will need to provide necessary information and documents to the Swedish Migration Agency.

5. **Self-Employment:** If you plan to work as a self-employed individual in Sweden, you may need to fulfill certain requirements and demonstrate your ability to support yourself financially.

6. **Documentation:** Prepare all required documentation, including application forms, job offer letter, proof of qualifications, passport, health insurance, and fees.

7. **Biometrics and Interview:** Attend a biometrics appointment and/or an interview if required as part of the application process.

8. **Arrival in Sweden:** Once your work permit is approved, travel to Sweden and complete any necessary formalities, such as registering your residence with the Swedish Tax Agency.

9. **Integration:** Obtain a Swedish personal identity number (personnummer), open a bank account, and familiarize yourself with local services.

10. **Language:** While many Swedes speak English, learning some Swedish can enhance your integration and job prospects.

11. **Quality of Life:** Understand the Swedish work culture, social norms, and lifestyle, which often prioritize work-life balance and equality.

It's important to stay updated on Sweden's immigration laws and procedures, as they can change. Consulting with an immigration consultant or seeking guidance from official Swedish government sources is recommended for accurate and up-to-date information.

Tailor your job search to the Swedish job market, utilize local job boards, networking events, and online platforms to find suitable job opportunities.