Health insurance – One monster hurdle to self-employment
If you’ve ever thought about leaving a job with health insurance for part-time work or self-employment, chances are you were stopped short by the challenge of getting affordable coverage. The cost of private health care is so prohibitive, you probably ran screaming back to your day job, thankful at least for that aspect of it.
Having said that, client data I’ve seen lately suggests that group health care costs are starting to close the gap. Whether you view that as good news (i.e. the more widespread the problem, the greater the likelihood it gets fixed) or bad news (for your wallet right now), it does reduce the disincentive to pursue your dream of self-employment just a bit. OK, I guess in the short term, it’s simply bad news for all of us.
In the long term, I know that many of us self-employeds are hoping for a “real” fix to this problem. In the meantime, there are a few sources you can tap for information on how to get health insurance. In NH, check out the new NHBusinessHealthOptions.com from MicroCredit-NH. Others, self-employed or not, can find out their options at MedHealthInsurance. (If you know of other resources, please post them!)
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