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Subject:RE: Contracting and Health Insurance From:"Lauren" <lt34 -at- csus -dot- edu> To:<techwr-l -at- lists -dot- techwr-l -dot- com> Date:Fri, 26 Jan 2007 22:06:07 -0800
Gee Gene,
Now I'm getting obsessed over saving money on medical insurance. If I get
insurance for my newly established company, made my brother an employee, and
paid for both of us, I would pay less than half what I'm paying now. And I
got a quote for a plan that included dental and vision, which I don't have
now. Blue Cross Group Health does have a pre-existing exclusion period of 6
months and the policy that I have now has an exclusion period of 3 months
that will be up at the end of the month. Maybe I can change coverage, but I
will look into this more before I do that.
-----Original Message-----
From: techwr-l-bounces+lt34=csus -dot- edu -at- lists -dot- techwr-l -dot- com
[mailto:techwr-l-bounces+lt34=csus -dot- edu -at- lists -dot- techwr-l -dot- com] On Behalf Of Gene
Kim-Eng
Sent: Friday, January 26, 2007 2:11 PM
To: beth -dot- tripp -at- verizon -dot- net; techwr-l -at- lists -dot- techwr-l -dot- com
Subject: Re: Contracting and Health Insurance
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.
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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