Re: Contracting and Health Insurance

["Gene Kim-Eng" <techwr -at- genek -dot- com>]

With a minimum of two employees, you can qualify for "small 
business group health insurance," and in all 50 states insurance 
companies cannot legally refuse to sell your small business 
health insurance if they offer it to any small businesses at all
(if your husband can plug in a computer or plunger a drain, 
make him your IT/Facilities Manager).

Some states do extend this same legal status to self-employed
individuals, so check yours.

The cost, of course, is another matter, it may or may not be 
limited by law (varies by state), and there's a good chance it'll 
be as much as or more than your COBRA for only two people, 
but at least you will be assured the ability to get health insurance 
and the cost will be fully deductible as a business expense, 
unlike your cost as a self-employed sole proprietor.  I do not 
know if you need to be incorporated to do this, or if just filing 
a business license is sufficient.

Gene Kim-Eng


----- Original Message ----- 
From: <beth -dot- tripp -at- verizon -dot- net>

Insurance companies are very picky about who they will insure.  Out 
here on the left coast I've tried to roll-over a health plan from  
group to a single account but didn't qualify because I have had  
prescriptions filled.  I feel another migraine coming on.

The last quote I received for coverage was between 1000.00 and  
1500.00 a month just for me, and that was through the state (only  
for 18 months).  After the 18 months, the state expects you to be  
able to get insurance.   And no that wasn't COBRA that was after  
COBRA runs out.

I'm planning ahead to when the husband retires in 2 years and we  
move to northern Wisconsin. Hmmmm, it's only an 8 hour drive to  
Canada..

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