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Everything You Always Wanted To Know About Employment & Job Search
By Manvel Tonoyan
Self Employment
There are a great many people who will find it impossible to break into self employment without the cushion of health insurance as they've known it. However, there are certainly options and plans that cater to those who've chosen the relative freedom of self employment. Insurance premiums are often higher than many who've worked for large corporations are used to paying, but those who've paid insurance premiums from a job with a small company may just find the rates far more reasonable than they thought, with a few helpful hints.
Those who have working spouses who are eligible for insurance are especially lucky when it comes to getting insurance. The laws regarding this differ from state to state, but in nearly all cases a spouse (and sometimes domestic partner) can make the switch when their own runs out.
Even though you'll be making all the contributions to your insurance policy as one of the self-employed, you may be eligible for group rates as as part of a pool for those who require self employment insurance. Your state may also have a special pool for the self employed. Be sure and check to see if your state has an agency that deals with issues of group pools.
Some policies will follow you for several months after you finish working for an employer. If you're consciously quitting from a position with a larger or rather generous company, you should check into expanding your coverage for as long as possible. It is likely your premium will go up a bit, but it is almost always less that just applying for a policy as a sole proprietor.
The cost and rigors of applying and paying for even a single
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