Mega Life Self Employed Health Insurance - News
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Addressing reporters a short while later, NDP finance critic Peter Julian said his party will be fighting to ensure whatever cuts come don't impact pensions, health care or job creation. "We'll be fighting the Harper Government's intention to make
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Would one way forward be to grant a one-year national insurance holiday, so that small business could take on young people, give them employment and the opportunity to experience work? Rachel Reeves: My hon. Friend is exactly right.
How to Get Health Insurance If You're Self Employed | Health ...
Health insurance is a hot button topic in the United States these days, with vehement opposition and contentious debate. While the status of the reform efforts are still uncertain, and the prospect of universal health care is a thin one, there are ways to get health insurance even if you’re part of the growing number of self employed or freelance workers. And you definitely need health insurance: the single biggest cause of personal bankruptcy is health care related and the of people without coverage are the single biggest piece of the bankruptcy pie.
Most people get their insurance through their jobs, where the large pools of customers give a bargaining advantage to customers that insurance companies can’t ignore. This is a good bet for the insurance company as well, since they can spread the risks of payouts across a large number of clients in order to ensure they break even. If you’re a freelance worker or self-employed you don’t have those advantages, which can really increase the cost of any plan you qualify for. There are some rays of hope however, starting with the introduction of the COBRA plan in 1986.
COBRA stands for Consolidated Omnibus Budget Reconciliation Act, a bill passed through congress to provide some support and relief for independent workers looking for health insurance. COBRA was an act that provided health insurance to unemployed or retired workers that also applies to self employed workers. COBRA is a government health insurance plan that provided some limited coverage, but isn’t particularly well considered, with high premiums and generally ineffective administration. In lieu of a real general health insurance policy produced by the government, it won’t meet all your needs, so you’re more likely to have to look into private options for real health insurance.
There are some HMO (Health Maintenance Organizations) that offer local plans for self employed workers at reduced costs. HMOs limit the doctors and procedures they cover to reduce their costs but some insurance is better than none. Being regional, they’re difficult to speak of in a general sense, but you can look into them at your local chamber of commerce.