Narrowing Your Health Care Choices for a Handyman
If you’re thinking about becoming self-employed, or taking a job with a small company that doesn’t offer health insurance, you would be wise to begin looking into the various self-employed health insurance options that are available right now. If you employ between 2 and 50 people, chances are you qualify for (and would benefit from) a group health insurance plan.
Thanks to recent changes in tax law, the self-employed can deduct the cost of their health insurance premiums from their federal taxable income (not to exceed the amount of their actual income in other words, you can’t use your health insurance premiums to show a loss for your business). This puts the self-employed on equal footing with big business, which has long been able to count health insurance premiums as a business expense. Another way to lower your self-employed health insurance premiums and still get good coverage is to choose a plan with a high deductible, and combine it with a tax-free health savings account (HSA). You generally can deduct premiums you pay for the following kinds of insurance related to your trade or business.
After narrowing your choices of group insurance policies down to the final two, compare the following of both: premiums, co-payments, deductibles, speculated expenses that are out-of-pocket, percentage amounts of fees paid, maximum limits on each claim and over lifetime claims. Indemnity plans usually have a coinsurance provision as well as a deductible. If your family health history is clean, it’s simply a matter of finding a policy that offers a mix of benefits and costs that work for you.
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