What to do if you can't afford form insurance?
I cannot get health insurance at my work so I own been paying out of pocket for an individual PPO Policy with Blue Cross. Every year the premium go up so I raise my deductible. I now hold a high deductible and the premium has gone up so high-ranking I can't afford it. I have pre-existing conditions and can't change companies any. What do I do?? I can't afford to not have insurance but I can't afford to have insurance any.
Answers:
Find a trial job. Source(s): agent, 21+ years
Worst travel case scenario: go to the ER for care. They can't turn you away if you don't own insurance.
There are many people who find themselves contained by the same situation. I would suggest that you contact your agent or Blue Cross directly and ask them if they have a glorious deductible health plan that would qualify you for a Health Savings Account. Since you have a soaring deductible already, you might as well take positive aspect of the tax advantages of a Health Savings Account.
The plans that BC/BS sells surrounded by CT also show a savings in premium when the plan is HSA-qualified. Source(s): Certified Insurance Consultant - Life/Health, Connecticut
Catch-22, isn't it?
Maybe move to Canada, and establish residency - or any of the other countries that have universal health covergae.
You might try this website I have used:
www.healthinsurance-guide.net
I really wish nation would list their locations (at least a state) when asking question such as this, because each state has completely different options.
That being said, I'm surrounded by a similar situation. I don't know what your employment situation is, but you might consider taking yourself off the books as a W2 (tax status) hand and converting to a 1099 (tax status) independent contractor. (You may already be a 1099 independent contractor, for all I know.) At any rate, if you're willing to do that, you could afterwards run your contract through a company that provides benefits (handles taxes, etc.)
I currently use a company called MyBizOffice <>http://www.mybizoffice.com> and have since 2001. The insurance is judicious (if you have pre-existing conditions) and it's good coverage. They charge a small percentage of your billables (what they are billing your "client" on your behalf") but even that expense is one that can be taken bad of your taxes (as well as numerous other expenses you can deduct -- similar to your health insurance premiums.)
Feel free to contact me via email if you have specific question. Source(s): http://www.mybizoffice.com
Related Questions:
Answers:
Find a trial job. Source(s): agent, 21+ years
Worst travel case scenario: go to the ER for care. They can't turn you away if you don't own insurance.
There are many people who find themselves contained by the same situation. I would suggest that you contact your agent or Blue Cross directly and ask them if they have a glorious deductible health plan that would qualify you for a Health Savings Account. Since you have a soaring deductible already, you might as well take positive aspect of the tax advantages of a Health Savings Account.
The plans that BC/BS sells surrounded by CT also show a savings in premium when the plan is HSA-qualified. Source(s): Certified Insurance Consultant - Life/Health, Connecticut
Catch-22, isn't it?
Maybe move to Canada, and establish residency - or any of the other countries that have universal health covergae.
You might try this website I have used:
www.healthinsurance-guide.net
I really wish nation would list their locations (at least a state) when asking question such as this, because each state has completely different options.
That being said, I'm surrounded by a similar situation. I don't know what your employment situation is, but you might consider taking yourself off the books as a W2 (tax status) hand and converting to a 1099 (tax status) independent contractor. (You may already be a 1099 independent contractor, for all I know.) At any rate, if you're willing to do that, you could afterwards run your contract through a company that provides benefits (handles taxes, etc.)
I currently use a company called MyBizOffice <>http://www.mybizoffice.com> and have since 2001. The insurance is judicious (if you have pre-existing conditions) and it's good coverage. They charge a small percentage of your billables (what they are billing your "client" on your behalf") but even that expense is one that can be taken bad of your taxes (as well as numerous other expenses you can deduct -- similar to your health insurance premiums.)
Feel free to contact me via email if you have specific question. Source(s): http://www.mybizoffice.com
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