I don't have health insurance (I'm self employed) and it drives me nuts - help

I always thought I was the anamoly until today when I read that 46 million americans don't have health insurance. I think this is like 1/5 of our entire population in America. One out of 5. It makes me angry because here I am, taking charge of my own health, I should be rewarded with not having to worry about a catastrophe. There should be a company that offers insurance for people like me, who take an active role in prevention. It would cost me about $500 dollars a month, and that doesn't even cover routine visits, that's only if something terrible happened, like a crazy accident. It's infuriating. Thanks for letting me vent.

Thu. Jul 6, 2:51pm

i hear you!! i am staying in a postion i absolutely hate in order to keep my health benefits. it's a shame!! but, i write to my congressman almost every month to explain the hardships my friends go through-the ones without insurance-and hopefully, by educating the representatives, we will eventually change things for the better!!

Thursday, July 06, 2006, 2:55 PM

careful with that number - the government counts medicaid as "uninsured" in those counts, even though their co-pay for visits is $2. i don't know what the true number of uninsured really is. and do you know why insurance is so expensive? ERs are required to treat anyone who walks in, no matter what their ability is to pay. (this is not a complaint - i think it is good but not well known. a lot of people don't realize this and think that hospitals are just out to make money). but insurance is so expensive because when 1/5 people in the ER can't pay, the ER has to bill extra for the people who can pay. it almost sounds better to not have insurance and make someone else pay, unfortunately.

best of luck to both of you with your insurance. what a huge, obnoxious hassle.

Thursday, July 06, 2006, 6:22 PM

Hey, I'm self-employed too but I have decent coverage with Blue Cross Blue Shield for everything but prescriptions. I got it through a broker (can't seem to get BCBS individually), who enrolled me as a member of some kind of business owners' union - kinda like a back door. You can also join societies and stuff that offer coverage to their members (I just couldn't find one that had a good deal, but I didn't know where to look!). My coverage is $360/month and I'm in NYC. Also check out www.freelancersunion.org for an even better deal, like $220 a month. I keep meaning to get my paperwork together and switch to that one...

Thursday, July 06, 2006, 10:10 PM

HSA - Health Savings Accounts earning 4% interest

On December 16, 2003, President Bush signed into law Health Savings Accounts. They are different than FSA through employers.

HSAs are made directly for small business owners who have good health.

For example, mine is now through Golden Rule. My payment in my mid-40s is $100 per month. Plus every quarter I put in my deductible -- or $2,750 into my HSA. This money is mine. I know have over $11,000 in the account. I can use it for medical issues and deductibles. I have a MasterCard, that is linked directly to this account so when I am at the MDs I can swipe the card and pay, I can swipe the card at pharmacies or Wal-Mart and the appropriate deductions are made.

This $2,750 is deductible from your tax liability like money put into your 401K so, if you make $50,000 and your 401K contribution is $9,000 and your HSA deduction is $2,750 your actual tax liability is $38,250.

Now, the money can only be used for medical stuff, but if you do not use it, it just adds up and it earns 4% interest right now as a savings account.

You have to have a high deductible, and whatever your deductible is -- is what you can put into your HSA so if your deductible is $1,000 then you can only put in $1,000 per year.

But, I am quite healthy and rather than pay the insurance company $300 or more a month for something I don't use and get no benefits from, I switched to an HSA -- the money is MINE, it earns interest, and when I am healthy it just keeps adding up.

Obviously, I've had mine for years -- and YES it does work. Before the card thing, I would get a check once a quarter if my bills were less than $100, but as soon as my bills added up to $100 even if it was the first week of the quarter, I received a check. So while I paid then for my medicine for a bad ear infection -- I got the money back in two weeks.

THey are accepted at almost all MDs offices and in fact to my shock have been accepted at all the little country medical clinics as I am now living in the country working on my dissertation in all 4 surrounding towns without even a cough or a guffaw. So ... I KNOW it works.

I especially like the fact that I keep 2/3s of my money since I am healthy rather than losing all of it.

Check out HSAs or Golden Rule HSAs -- even as an individual, it is cheaper than many association plans.

Friday, July 07, 2006, 9:35 AM

HSAs -- are ONLY available to self-employed

HSAa -- are ONLY available to those who are self-employed. NOT all who are self-employed are healthy.

HSAs are NOT available to people in Fortune 1000s who have insurance. They still have to pay $300 per month out of their paycheck.

Saturday, July 08, 2006, 11:32 AM

Besides other options mentioned, a number of HMOs will take individual enrollments if you pass a physical and have a good enough medical history and risk profile. Often this qualifying physical is free - but you are not entitled to receive the results if it is free. They will just tell you whether or not they will accept your enrollment.

Saturday, July 08, 2006, 8:27 PM

I'm self-employed and went through a huge shock, with having health insurance that covered EVERYTHING (and even had a private hospital near where I was living at the time with an outpatient center) to having nothing. I live in CA and was able to find a Blue Sheild plan for approx $88 a month. It's not cheap if you have to go to the hospital, but there's no deductible, and my co-pays are $35 and generic drugs are $10. There's also a yearly maximum around $7,000, which a good friend of mine (a NICU nurse) pointed out that if something serious happens to me, $7,000 is a small price to pay. I don't know how available this is in other states and to what ages, etc. (my particular plan doesn't cover maternity, which is not something I need right now), but take a look.

OP, I hope you find something.

Looking for health insurance really opened my eyes to the health insurance crisis our country is in...

Saturday, July 08, 2006, 11:16 PM

affordable healtcare benefits

I work for AmeriPlan USA a 15 year old discount health benefits company out of Dallas, TX. We offer medical and dental packages to the uninsured. All preexisting conditions are accepted as well. We have very reasonable rates as well. Our Dental packages, which includes dental, vision, prescription and chiropractic care is $11.95 a month for an individual and $19.95 a month for a household up to 20 people. Our medical package includes medical, dental, vision, priscrition, chiropractic, ancillary services and mental health services. This runs $49.95 a month for an individual and $59.95 a month for a household up to 20 people. There is also a 30-day money back guarantee. If anyone would like some more information or has a question feel free to contact me. or click the link below to visit my website.

Link

Thursday, June 14, 2007, 5:53 AM

Michael Moore's newest movie called "Sicko" i s coming out at the end of the month (6/07) and it is about this whole insurance and health care crisis in the US. I may actually go see this movie in the theatres instead of waiting for it to come out on DVD.

Used to work in the healthcare industry..and yeah insurance is a great idea...but PRIVATE insurance has to make a profit for the stock holders so there is a problem in original design here. We all end up paying.

Thursday, June 14, 2007, 9:05 AM

I am 24 and have had an eye disease since I was 21. I quit my job as a social worker at a shelter to take on a contract (self-employeed). I am completely healthy, active, non-smoker, etc. I applied for individual insurance and was COMPLETELY denied. I was expecting like an eye exclusion in coverage or something. But no, I was considered uninsurable. They said they didn't know what this eye disease was related to, so it wasn't covered. Very scary for me. I paid for COBRA as long as I could, and ended up moving in with my fiance to get his domestic partner benefits. Very sad when people can't get insured.

Thursday, June 14, 2007, 11:51 AM

Some companies are starting to offers HSA's now, fyi. You need to ask your HR person.

Thursday, June 14, 2007, 12:45 PM

insurance

I have had a similar situation with my insuracne. My son is Autistic and they do not pay for his therapy so I had to get supplemental insurance to help cover the costs. I was paying an extra 500.00 a week for different therapy for him now I am only paying 50.00 a month for his benefits and 100.00 a month on therapy after signing up with a discount benefits company. The insurance situation in this country is horrible. It seems like it is only there until you actually need it.

Tuesday, June 19, 2007, 5:59 AM

HSA plans used to be available primarily to businesses and self employed...now they are widely available to individuals (those without healthcare benefits through employers) and many companies are currently offering dual-choice healthcare options - one comprehensive plan if someone desires a higher level of coverage and one catastrophic or HSA-type plan if someone is willing to assume more financial risk for their healthcare.

Working in individual health insurance I do agree that it can be very difficult for people with health conditions to get coverage outside of an employer offered plan. In the state of Washington approximately 8% of people are denied based on prior health issues, but some states, such as Utah deny as much as 50% of applicants. (Yes, those are both accurate figures.) I completely understand WHY applicants are denied, which is to try and contain rates for the majority of the people...if insurance companies were required to accept all applicants (as was the case a few years ago in Washington state) then individual health insurance becomes prohibitively expensive for a larger number of people and over time you wind up with a disproportionately large number of higher risk individuals keeping the insurance because they have serious health conditions and cannot afford to be without coverage. Most states do offer a high-risk health pool for people that have been denied individual coverage, however, the premiums for that coverage can be astronomical and as far as I know there are very few resources to provide any financial relief for those types of plans.

Many insurance companies ARE for profit companies, but there are also quite a few (like many of the BCBS licensees) that are not. I completely understand the plight of the uninsured (and underinsured, where rarely gets discussed, but is also a serious issue) and wholeheartedly agree that something does need to be done to change our current healthcare system, but I also realize that this is something that must be done on a governmental level rather that an individual health insurance carrier level.

I feel very strongly that pharmaceutical advertising should be illegal. Each year 3 to 4 of the highest advertisers (by dollar) in this country are pharmaceutical companies, so those are advertising budgets in the billions, and all of that cost gets passed on to consumers and insurance companies. Why is it accepted to advertise medical care? Why is that not left to the discretion of your health provider? We do not see medical PROCEDURES, such as appendectomies and gall bladder removal advertised on TV or in print, so why should prescription drugs be any different? Your medical provider should be the one to evaluate and discuss with you if a certain course of medication is required, the idea should not be planted in our heads through strategic marketing campaigns.

Whew! I'm done now. This is just one topic I have serious feelings on, and maybe this provides a different perspective for some people.

Tuesday, June 19, 2007, 7:29 AM

I feel your pain- Insurance is one of the big reasons I work for someone else instead of working for myself- Recently, after I got laid off, my temporary insurance was refused because my wife was pregnant, even though she has her own health insurance- I got refused for a condition that I myself didn't even have!

In wisconsin, Dean has a plan for the self-employed that's pretty reasonable. Do you work in a field that has any groups that might offer insurance? For example, I'm in advertising, and the local Advertising Federation chapter offers health insurance to small ad agencies and design shops. They don't offer coverage for single freelancers, though. But, it might be worth checking out if there's any trade organizations in your field that offer group coverage.

But yeah, for the most part, the system sucks. I found myself gaining weight while I was between coverage because i didn't want to risk injuring myself running or biking. That's pretty messed up.

Tuesday, June 19, 2007, 11:21 AM

I agree about the prescription commercials. I think it is ridiculous and I really don't want to explain to my 3 1/2-year-old what herpes is or ED for that matter. I think prescripiton commercials should be banned. They give too much information. You can go in tell your doctor you have all of these symptoms and there you go and propbably with a prescription you really don't need.

I am self-employed as a Medical transcriptionist and work out of my home so I don't get health insurance. In my quest for AFFORDABLE coverage I found a fee-for-service program that I liked and household coverage was only 59.95 a month plus I could cover anyone in my house they did't even have to be a dependent. It was even accepted at many major providers in my area. I got free prescription coverage included as well, which was accpeted at the Walgrees, CVS, Target and Wal-Mart in my area. I didn't have to fill out any health forms either. They accept everyone regardles of preexisting conditions or pregnancy. Needless to say I still have the plan and have actually started working for the company, which gives me an even lower rate of 40.00 a month. This company believes in consumer driven healthcare and give the consumjer the power.

I do my medical transcription still and understand why doctors only take certain insurances as well. There is so much paperwork involved, believe me I am lucky enought to make sure all the reports that are needed get typed and since they don't want to keep track of who needs what if one company changes and has to have a separate x-ray report submitted I now have to type one for every patient no matter what insurance they have not to mention all the requests for injections ot medications that are not covered unless this this and this have happened first. I am sure this is why it costs so much to go to the doctor, we are paying for paperwork too. It is a viscious cycle and we are at the end. I recently told the orthopaedic surgeons I work for about my fee-for-service plan and they have signed up to accept to as well because they get their money at the time of service and there is no paperwork. They only have their dication for the chart.

I also believe that the government has to make the changes in the health industry not individual insurance companies. I run two small business so I understands about wanting to make a profit but insurance is something that everyone should have available no matter what kind of condition they have. I have become very passionate about this issue since my son was diagnosed with Autism, as I stated above. My goal in life is to help find a cure or cause of Autism while making more people aware of it and to get more people the health benefits they need.

Wednesday, June 20, 2007, 6:21 AM

sorry about the above post...I didn't proof it before I posted it. :)

Wednesday, June 20, 2007, 6:23 AM

I understand why people with pre-existing conditions get denied. I know I drive up costs because I have a condition. But when I wasn't covered, the cost of treatment was unbelievable. I have an eye disease, nothing serious at this point, but it has to be treated to prevent vision loss. Basic dr. visits to the specialist were $130, not including anything else. With the pictures of my eyes with contrast, and with a steroid shot, it gets near $1000. As a social worker (underpaid), how am I supposed to pay for this? Or do I just risk it and go blind?! That is RIDICULOUS. I am thankful that I was able to get on my fiance's insurance, and since COBRA hadn't run out, I was still insurable (never had a lapse in coverage). Anyway, it is just infuriating.

Wednesday, June 20, 2007, 2:07 PM

Rant

OMG. I just had to rant. I just quit my job and gave up ALL types of insurance because all I ever did was eat right and be healthy; and my co-workers made me carry all the weight.

Corina

Wednesday, June 20, 2007, 2:19 PM

having no insurance is a horrible position to be in!!!!! i was uninsured and came down with a severe stomach ailment. i went to the emergency room and was admitted for 2 days for tests and results and treatments. (2 days) + (an emergency room visit)= $ 31,980. um, thiry two thousand dollars? how am i expected to afford this? i couldn't even afford insurance at around 330/month. the hospital accounting office said they would not accept monthly payments in an amount less than 660/month. so, i have paid nothing to them. i applied for retroactive charity care, but because they do not take into account the monthly expenses i have and instead only look at how much i bring home, i did not qualify for complete coverage. so my hospital bill was reduced to only $21,457. yay!

Wednesday, June 20, 2007, 2:42 PM

AmeriPlan

Have you guys ever heard of AmeriPlan. Check out my website at www.bostonshealthbenefits.com This is the discount program I found when I was looking for my son. I liked it a lot and started working for the company.

Link

Thursday, June 21, 2007, 3:52 PM

ameriplan. okay. thanks. it's linked to twice, now.

Thursday, June 21, 2007, 3:59 PM

Illinois

I live in Illinois and they have free insurance for children and adults. And it's not just low income. I think there is a cap on the income but if I am not mistaken, it's about 60k a year. My boyfriend and his daughter use that. I am covered under a COBRA plan, but as soon as I give birth to my child, we are both going to apply for the Illinois insurance. EVERYTHING that is necessary is covered. Dentist too.

Monday, July 02, 2007, 6:21 AM

good to know what to do if you don't have medical insurance in illinois. seems almost too good to be true. I am in new york state, and I'm pretty sure the same coverage does not apply here.

Tuesday, October 30, 2007, 3:47 PM

Thank you everyone for all this good information, from someone who's looking into opening her own business.

Friday, November 02, 2007, 9:53 PM

health insurance or lack of

I just got a call from my sister in Florida who doesn't have health insurance, she is 50 and just found out she has clogged arties and needs medicine and treatments that she can't afford because she doesn't have a job and her husband is out of work as well. What is happening to our country? We can give to other countries for Aids assistance for those who refuse to wear rubbers, but we cannot help our own right here in the good ole USA! I am hearing horror stories of people who just have to go home and die cause there's nothing more that the nice doctors and hospitals can do for them without health insurance. I have great insurance at my work and believe you me after hearing these stories I greatly appreciate the job I have and my employer! I just would like to have that for everyone.

Monday, March 17, 2008, 10:28 PM

Move to Canada

Monday, March 17, 2008, 10:57 PM

I second that!

Ay ay, move to Canada. I think the US seriously needs to revise their healthcare policies. Hopefully Hilary will get voted in, and reform it, as she tried to do years back. I work for a Canadian healthcare insurance company, so I understand the plight of people not having coverage, and understand the importance of such coverage. I only hope it gets better for Americans....

Wednesday, March 19, 2008, 12:19 PM

Yes, that would be nice. The rest of the world sneers at us for paying so much for medical care, while they reap the benefits of our investment (in the form of high prices) in drug development. I really don't like the way my health is someone else's opportunity to maximize their bottom line.

Wednesday, March 19, 2008, 12:40 PM

The only good news I have for you regarding that is that I heard on the news financial report the other day that if you don't have insurance you can negotiate and get the doctor's/hospitals to settle on a much lower amount. Obviously it will depend on the doctor but majority of hospitals will be willing to do that. I know this doesn't help much and i'm sorry about the costs of healthcare these days, heck, even with insurance we're going gaga over the bills we receive that we STILL have to pay. So, again, I'm sorry for the struggle but maybe this tip will help you out in some small way.

Wednesday, March 19, 2008, 1:16 PM

You're just negotiating to get the fee they'd get from the insurance company - if you're lucky, and if you even know what that fee should be.

Example: Have you ever seen one of those statement of benefits forms, where the doctor's "official" charge for, say, an office visit is $175, the insurance agreement is for $80? I've been in a position where I needed to negotiate that after being dropped from Cobra, and they would not negotiate the fee below $150 - even though they're happy getting just $80 from their in-network patients.

Wednesday, March 19, 2008, 6:33 PM

what a can of worms

I was self-employed for ten years, ten years ago.That was before everyone became computer savvy. That's all over for me and my home business.

I'm 50. We had medical insurance (for us two) through my husband's ex-employer. Since his job was outsourced, he spent MONTHS looking for work. In the interim, after exhausting COBRA benefits and living on unemployment, we're paying on a temporary policy (not good after 6 months) at a $500 per/mo. premium. Meds deductible must reach $250 before they will allow the co-pay for each Rx @ $50, $35 generic. After that policy has been exhausted, it's time to fish around again for new coverage. Oh, and we signed through a "broker".

My doc said that was a good deal because he's paying $1000 per month for his family of three. They are all healthy. I'm a diabetic.

Now hubby is on the verge of either signing up permanently with the contract job he currently holds and completely hates. It will pay less and offer really crappy insurance (Kaiser and don't anyone get me started, I dare you). The other alternative is Blue Cross and that will cost us out of pocket $1000 per month. Period.

Aside from the horror stories we have all heard about denial of medical treatment because of alleged undisclosed medical conditions that have been all over the news and the dumping of transients from emergency rooms in front of homeless shelters outside of skid row (caught on tape), you can understand why I feel horrified and understandably uneasy about my health future. That being said, I'm trying real hard to prepare our meals in the most healthy manner and do all the proper things necessary. The fact remains that this nightmare will not be over soon.

And heaven forbid moving to Canada. Good God, one must be insane to relinquish control of personal choices. I say that because I've heard horror stories about my Toronto resident friend who waits forever for treatment and medicine (not hours, but months). As far as Kaiser is concerned, my mom is in there as I type this, after waiting 6 hours in the ER (dad pays for their policy) to be seen because... get ready for this... her blood glucose level was 495!!

No offense to Canadians. Nice place to visit.

My meds cost a lot because I'm not perfectly healthy, just slightly unwell. When we had insurance and I knew time was running out on the full coverage, I made sure I scheduled every single test possible to get everything paid for. Mammogram, colonoscopy, eye exam, gyno -- everything. The way things are right now, I'm positive we can't afford the follow-up my gyno wants because of a possible anomaly. Lovely, ain't it?

This country would definitely be in hell if Hillary Clinton were elected. That woman is evil. Imagine being FORCED to register for health insurance? I've been watching the debates and the news conferences and the interviews. When asked, "What about those people who don't want to be forced to go government-issued and want t keep their own?" She replied, "We'll get them to register when they are in the emergency room." HA!

And what about the profiteers in pharmaceuticals? It makes me ill (pun) to find out hubby rec'd a call from a head hunter (again, for half of what he's worth-- the economy, but that's all in anotherdiscussion) for a medical company.

I love my doctor and the impeccable care and rapport we have. And it is because of that and witnessing the kind of medical care my parents and other acquaintances have had over the years through Kaiser, my little family of two hs decided it is not worth it going to a hospital far away where one gets lost in the system, changing doctors all the time and wasting money on gas and time on the phone to get a straight answer. It looks like our finances are aptly tied. No new car. No new plumbing. What vacation?

Wednesday, March 19, 2008, 6:44 PM

PP - I am Canadian, and yeah the waits for some things are long, but there are also private clinics, so if you have the money, you don't have to wait.

I'd prefer free coverage and wait....mind you, I'm pretty healthy...so I have that luxury.

* Also, if it's an emergency, they do it right away...there are waits for things such as: EEGs, MRI's...that kind of stuff. I had to wait for 3 months to get my EEG - not sure how long my Southern friends wait for this stuff.

Wednesday, March 19, 2008, 6:56 PM

There could be a savings for you

We’re saving our members hundreds of millions of dollars in supplemental healthcare benefits since 1992. Our company offers a service that is helping individuals and families across the country save precious dollars on their costly healthcare needs.

Link

Friday, August 22, 2008, 10:14 PM

I work for the school district as an aide so I dont get insurance or any other benefits. They will not allow any of us to work for more then 6 1/2 hours so they dont have to pay any benefits for us. While I have a child under the age of 18, he and I can have medical assistance, but once he turns 18, that is over for both of us. I first checked on insurance through work and it would cost me more than I make (i make about $976 per month and insurance would be $1200) Then I checked with my insurance agent and all the coverages either cost too much or didnt cover much of anything. It is quite frustrating as I would like to feel responsible for our insurance, but just cannot afford it. Even though Canada has good medical benefits, dont they have high taxation? It would be a lot nicer if we had socialized medicine.

Saturday, August 23, 2008, 7:35 PM

Benefits are important and you need to think about that when you look for employment or think about your career choice. I would pick a job with good health care benefits. My father was self employed when I was a child, he made good money, but the health care was a big problem in later years for him and my mother. I have seen other people self employeed but their spouse has a job with benefits for the entire family. I know the system for health care is not perfect, but until then I would have a job with health care. I worked for over 20 years with great health care. I'm now retired and still have good health care insurance, it's very important for myself and my family.

Monday, August 25, 2008, 6:31 AM

health ins

We just signed up for what looks like a pretty good plan.
U can check it out at;
http://aimhealthplans.com/arthurtendler/

Link

Wednesday, August 05, 2009, 2:08 PM

Zurvita Health Protection Plan $19.95/month

I would encourage to consider the Zurvita Health Protection plan.

Link

Saturday, November 14, 2009, 7:43 PM

Health Insurance

30 million of those uninsured you cited are either illegal immigrants, who can get care at any emergency room for free, or people who voluntarily elected to not purchase health insurance. Only about 14 million are not covered who want to be.

That said, I have gone for long periods either uninsured OR getting catastrophic coverage, as you have. The thing is, if you don't operate from the premise that the government owes you health care, as I always did, then you feel differently about it. Until recently, I always paid for doctor, dental, and optical visits completely out of pocket. I stay very healthy, so it's not huge, but still, it can cost a lot to go to the dentist or the eye doctor. So the part that insurance was willing to kick in this time seemed like a bonus. I think that's how it should feel to people.

If you think it's expensive to pay that amount per month just for catastrophic coverage, just wait until we are forced to buy government insurance. The current plan under debate in Congress will not even start until 2013, although taxation for it will start immediately. Once it happens, care will have to be rationed and premiums will soar because lots of people will not be obligated to pay a cent. You'll pay it for them. You will be forced to buy the insurance in order to avoid a heavy fine and possibly prison time, with the new label "felon" beside your name.

I think you might want to rethink this situation. Bad things are in store for those who believe that this is the government's obligation. Massive controls are the trade-off for this kind of babying, and the costs will just be out of this world for YOU.

Saturday, November 14, 2009, 7:58 PM

Hmmm.... you could move to Canada

Saturday, November 14, 2009, 11:49 PM

Insurance is an important thing to have. You should think about getting it

Thursday, November 05, 2020, 2:55 AM

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