|
|
The following health articles are for illnesses,
injuries, or ailments in to day's world. In the articles within this
site you will learn Dieting tips, healthy eating
information, general women's health tips for healthy life style. What's
best is - that health tips are easy to put into practice. Here you will
find Interesting and Useful Health Articles to
improve your health, get in better shape, live longer, improve personal relationships, achieve your goals faster.
This will allow you to engage in regular physical activity and
reduce sedentary activities to promote health, psychological well-being,
and a healthy body weight.
Health Fact: The rate of survival for men with prostate cancer is increasing.
High Cost For Health Insurance If You Are Self-Employed
One of the greatest uncertainties in life is falling sick or being disabled with no money in your pocket, especially if you are self-employed. This uncertainty can be overcome by a health insurance which is a system in which the insurer, usually a private company or government owned company pays the medical expenses of the insured, if the insured falls sick or gets in an accident due to covered causes. In return the insured has to pay a monthly premium to the insurance company. Health insurance which provides insurance for the self-employed is known as self-employed health insurance.
Self-employed include farmers, contractors and small business owners, freelance writers, lawyers etc. There are some factors that separate self employed health insurance from ordinary health insurance.
Cost - Self-employed health insurance is costlier than health insurance provided through an employer (like a company). This is because in larger groups the cost of insurance gets distributed as compared to smaller groups. This is one of the reason people are reluctant to go for self employment. There are ways and means to reduce this cost which will be detailed subsequently.
Tax Benefit - Fortunately the self-employed health insurance premium is 100% tax deductible.
Reducing Costs - The best way to reduce insurance cost is to go for family cover in your spouse group insurance through his/her company (that is if your spouse is working). Another way is if you employ between 2 to 50 people, you can go for group insurance.
If you are leaving a corporate job you can opt for COBRA (Consolidated Omnibus Budget Reconciliation Act). COBRA is a law that makes it mandatory for your employer to provide the option of retaining membership in their health insurance plan. However you will have to pay the entire monthly premium part which was paid by your company earlier. However you may be surprised at the high cost of the premium which may run up to 500$ a month.
Temporary Health Insurance - If you are planning to remain self employed for a small period of time and plan to join another company later, you can opt for a temporary health insurance. This is the cheapest type of health insurance available today. However annually the premium keeps increasing as you grow older.
If you have none of the above ways to reduce insurance cost then the only way is to go for standard individual policy. As mentioned earlier they are usually costly but are very important for insuring the future.
More Info Health & Wellness:
Keith George always writes about valuable news & reviews.
A related resource is Self-Employed
Further information can be found at Health News
Related Links:
Benefits Of Meditation
The Ultimate Drug For Treating Depression
Cleopatra’s Beauty Secrets
Pfizer Sued For False Lipitor Claims
Remedial Massage Therapy
|
| Whole Food Nutrition
Health Facts:
The reason we haven't been able to cure cancer is that we're selecting for resistant tumor cells. Getting breast cancer is not a certainty, even if you have one of the stronger risk factors, like a breast cancer gene abnormality. Cancer is responsible for 20% of all deaths in the United States. Cancer is a flaw in the DNA. For most people, receiving a diagnosis of cancer is one of the most frightening, disorienting, and challenging experiences that they will ever have. Cancer is a disease of cells.
|
