ADV: Health Insurance for the Self-Employed!
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Affordable health, dental, and life insurance for you and your family. Ideal for self-employed, small business owners. Fill out our form for a competitive quote.
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Privately insured, low-income workers with chronic medical conditions such as diabetes and asthma are being financially squeezed as employers shift the burden of higher health care costs to employees, a new study found.    The number of such individuals spending more than 5 percent of their income on out-of-pocket medical costs soared 48 percent to 2.2 million people from 2001 to 2003, according to a study released Thursday by the Center for Health System Change...
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Group health insurance -- most commonly sponsored and subsidized by an employer -- is almost always a person's best bet, though many companies are cutting benefits and increasing workers' costs as premiums soar.
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Gov. Martin O'Malley and Democratic legislative leaders yesterday proposed providing health insurance to 100,000 poor uninsured adults in Maryland and subsidizing small businesses that offer coverage to their employees.
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Good benefit management can mean more for your family.
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In Tennessee, nearly a half-million people are warned they could lose their government-supported health care. In Maine, the move is in the opposite direction &#151; the state is expanding its role and, with reliance on the private sector, aiming to provide affordable health insurance for all 138,000 residents now without it.
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WASHINGTON -- The popularity of health savings accounts for the poor will be put to the test in Indiana under a program approved Friday by the Bush administration. Under the plan, someone making $20,000 a year could get health coverage for about $19 a week.
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Experts say rising health insurance costs are causing problems for start-ups and keeping some would-be entrepreneurs from starting businesses.
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You can take money from an IRA to start a health savings account.
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More and more people lack health insurance. Don't be one of them.
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Get a plan to protect your financial independence.
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Health insurance premiums for federal employees and retirees will increase by an average of 2.1 percent next year, the Office of Personnel Management announced this afternoon.
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I believe every American citizen has a basic right to health- care benefits. Outrageous bills stemming from unplanned injuries have left families homeless. More preventative health care would prevent diseases and unnecessary rehabilitations. This would result in more capable, productive taxpayers.
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Yesterday's piece on health care and the presidential election got a great response, and some of it from Republicans, using the slogans and logic I hoped they wouldn't. But that's okay, it helps me focus my rhetoric on the precise point of disagreement, and hopefully by illuminating it, I can either convince some of the Republicans to come over to my side, or help eliminate some of the confusion on both sides. Or maybe it'll just keep the argument from slopping over into all kinds of irrelevant issues. The basic Republican argument goes like this. Why should I pay for the health needs of people who are so irresponsible as to not have health insurance.  If I got it wrong, please set me straight. Now I'd like to answer this, very carefully. The Democrats aren't proposing that you should pay for the uninsured. Key point. They either agree with you, or know that they're not going to get their proposal passed unless they take this into account. The Obama plan says you don't get care unless you have insurance. His proposal aims to get a lot more people insured. Clinton goes one step further, by requiring everyone to have health insurance.  Also, you already pay for the health needs of the uninsured. Whether you or I like it, we don't look the other way when someone is in need. You may feel the system should work differently, but that's not responsive to the proposal the Democrats are making. The debate is how health care works for the non-indigent.  If you have property, a car, a house, or if your kids go to private school or college, or if you want to take a vacation, or have a baby, or exercise between jobs, getting sick without insurance is a sure way to go from being middle class to being poor, quickly. This is why we have health insurance, to smoothe out the risk, to protect our family's lifestyle. It seems to me it's a good thing. It's the market solving a basic human need.  So this is what we should be discussing, how can we get insurance for all the people who want it, or should we require it for everyone -- this is the debate of 2008. This is what the Democrats are putting on the table, and what McCain, or whoever is the Republican nominee, will have to respond to, if we're going to have the respectful debate everyone is talking about having.  Why is this such a problem?  A lot of people, even healthy people without pre-existing conditions, can't get health insurance. And what if you have a pre-existing condition? Do you really think it's cool for the insurance industry to refuse them coverage? Why is that a good thing? I honestly don't get it. Consider the penalty for not having insurance. (See above.) So far the leaders of the Republican Party have managed to keep health care off the national agenda, but this year, it's there. If you doubt me, just ask a few people you know, and don't just ask poor people or Democrats, ask Republicans. Disease isn't a party issue, and while poor people tend to have poorer health, even well-off people need health care. And most people can't afford to pay for a catastrophic illness, and enough of them can't get health insurance to make this an important national issue. If you disagree with this, please let me know why. PS: Phil Windley asks where it stops. Should we provide free housing for the homeless? And what about free cable TV for people without cable TV? (He provides other examples.) No, this is only about health insurance. It's not about any of the other things mentioned in Phil's post.
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Do you have business insurance? Do you need it?
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Thousands of Massachusetts workers are wrongly classified as self-employed or independent contractors by employers seeking to lower costs, according to a report released jointly today by the University of Massachusetts' and Harvard University's schools of Law and Public Health. Misclassifications enable employers to avoid payroll taxes and such mandated employee benefits as unemployment and workers' compensation insurance.
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Even with Medicare, you'll end up paying nearly half of your health-care expenses, so if you don't have retiree coverage from your employer, you may want supplemental insurance. Make sure you have what you need.