What is a good insurance for someone who is self-employed?
608229
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118.....\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
1047456
I think the best way is to do some research on your own and then get in touch with local health insurance agents or brokers. I say more than one because talking with more agents will give you more ideas, see more health plan products, and – most importantly – get several different insurance agents competing two earn your business. Many people don’t realize it, but insurance plans aren’t any cheaper online than they are through an agent.\n\nWhen I’ve looked at small business matters, The National Associated for the Self-Employed (see link below) had some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small business and the self-employed. Depending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them.\n\nAfter you’ve done some researching, try visiting MostChoice.com. I’m a writer for them, and they have a simple approach to shopping for health insurance. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
456195
You need to register as self employed with the Inland Revenue (HMRC) within the first three months of becoming self employed, or you can be fined.  Go to the HMRC website (listed in the sources below) for more info, or call 0845 9154515, which is the helpline for the newly self-employed. You can register by calling that number.\n\nHope it helps!
678955
Anyone self-employed.
670454
first find out how much your job is insured for.
777704
Well the best one is to have one before your diagnosed because alot of them don't cover pre-existing conditions for a year prior to the new policy.  You'd want one with good medical testing coverage, hospital stays, drug coverage, dr visits, alt med if possible.  Many of the Blue Cross higher up plans have that, they have some co-pays but cover the big stuff.  Independent Health which is NY based company has good coverage too.
685179
Look into organizing a limited liability company (LLC).  LLC's will protect your personal assets like a corporation, and you get taxed like a partnership (no double tax like corporations).  LLC's have less paperwork generally, but the owners (members) still need to abide by the Organization Agreement and Articles of Organization.\n\nA corporation is an option, and an IRS subchapter S election may be the way to go, and if so, will save you taxes.  And yes, the corporation will protect your personal assets so long as you observe the distinction between the corporation and yourself.\n\nAs you have noted, a partnership will expose you individually to the partnership's liabilities.\n\nThe botton line is that you need legal and tax advisors.  The information you get here are mere talking points that you can use for discussion with real professionals.  It will cost some money, but it is worth it because you will be laying the foundation for establishing your future tax and legal liabilities.  Make sure that your lawyer is licensed by the California Bar and that your accountant is a licensed CPA in California.
740647
Go see a commercial insurance agent.
917904
Have you checked with any house painter organizations (if any exist)? Sometimes they can provide group health insurance. One word of caution, though. There is debate about the value of association health plans (those you might see with a professional organization). On one hand these plans are less expensive than individual coverage and people with pre-existing conditions are more likely to be accepted than if they tried to apply for insurance on their own. On the other hand, some critics say that association health plan benefits are so watered down that you are better off paying more for a private plan (if you can afford it).\n\nYou might also contact your state insurance department to see if you might be eligible for group health insurance as a “group of one.” Some states expand access to group health insurance to self-employed individuals with no employees. I’ve included links below to state insurance departments and to a listing of state health guides that should explain whether “groups of one” coverage exists in your state.\n\nIf you’d like to talk to local insurance agents and compare health plans online, try MostChoice.com. It’s a fast, no-obligation way to explore the local health insurance market; you might find that health insurance is more affordable than you think. If not, that will make you more confident in your pursuit of alternative options.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
166098
If you are owning equip. under business, must be insured under business, which is not a problem.\nIf for personal use, still not a problem, can endorse to your homeowners policy as scheduled personal property, no deductible. Do not do any other way, not blanket coverage, as this is a rip off for you,\nYou may schedule quite an amount of this equip. on your personal homeowners policy.  Call your agent for assistance.\n\nAll insurance companies should be able to do this for you, and if not, your agent can work it out anyways, not a problem, regardless of what they tell you.\n\nIf this is used for Biz, still no problem.\n\nIf you have the right agent, will be very easy, cost effective.\n\nNot a good idea, unless only single piece, to purchase the insurance from the telecom equipment company, as they will charge you a very high rate for coverage.
348161
I'm an agent for Combined Insurance and I think it offers the best of both worlds, entrepreneurial and employment. It's 100% commissioned, so you are paid exactly what you are worth (just like owning your own business). But it also offers benefits, training, merit-based promotion, and the power of a Fortune 500 company backing the products. If you like, I could check into opportunities in your area.
773963
Either way, you're going to have to get some kind of business liability insurance.  If you teach at home, you may be able to get a rider on your homeowners/renters insurance.  \n\nIf you're a homeowner, and have a specific space in the house that is only used for your studio, you can get a small deduction on your taxes.
1058999
Don't discount your services as a general practice.\n\nOnly discount to particularly good customers with a freebie or two that costs you little.\n\nConsistency will be your bread winner. Delivering the product when promised ALL THE TIME will get you repeat customers.\n\nJust because you "work for yourself" doesn't mean you can do whatever you want with your hours. When self-employed, you work for your customers. They're the boss. Piss them off and you'll get no business.
948949
If you have employee's you need workers compensation insurance, if not jail, fines, etc. You don't need workers compensation on yourself, although it's something to consider. Rates will vary among companies and the State also writes coverage, rates are based on occupation, clerical rates are in the area of 1-2% of wages, while roofers are more like 30% of wages.
210210
A number of companies will exclude pre-existing conditions for the first year and cover them after that.  The best thing to do is shop around.  Try Golden Rule.  They have a pretty good price.  Try getting a plan with a Health Savings Account attached.  Part of your money pays for the insurance and part goes into a cheking account that you can use to pay for any medical expenses.
740452
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II
1042372
The National Associated for the Self-Employed (see link below) has some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small business and the self-employed. Getting insurance through a purchasing pool typically means that your employers would not have to all be part of the same health plan, which could be good for morale. The downside is that purchasing pools are relatively new and it’s unclear how much savings they really offer.\n\nDepending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them. Some states have looser restrictions on health insurance through trade associations, meaning that you would pay less for insurance and get more coverage options. I’ve included a link below to state insurance departments – it might be a good idea to contact them or your local chamber of commerce to see if they have any ideas. You also might want to check out this Web site’s (link below), state guides to small business insurance. It’s simple but it might give you some ideas.\n\nOh, one last link (below). It’s to a recent Consumer Reports article about association health insurance scams.\n\nAfter you’ve done some researching, try visiting MostChoice.com. I know you’ve said you’ve tried sales companies to help you, but MostChoice has a no-hassle way to shop for insurance. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company. And be up front; let them know you’ve done the research. It sounds like you know what you want to pay. Just write down what you and your employees want in a health plan and present it to the insurance agents. Let them do the heavy lifting.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.