If you already have a life insurance policy, it’s a good idea to review it every few years to make sure it still meets your needs.  If you’re planning to increase your total life insurance, it’s generally better to keep your old policy and increase its face amount if you can, or simply add a new policy.  On our site, you can find the policy that’s best for you by getting life insurance rates from some of the best insurers in the business.

Take the first important step to providing for your family after you’re gone by signing up for life insurance rates now.  Because life insurance policy coverage is very specific in the types of health issues it will cover, it is a good idea to take out a separate policy for long-term care insurance.  As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.

Generally, the purpose of life insurance is to provide peace of mind by assuring that financial loss or hardship will be lessened or eliminated in the event of the insured person’s death.  Obtaining a good life insurance policy can remove your fears that your family won’t be set for life should you have an untimely death.  With life insurance, your loved one/s will be taken care of, especially if you are the main money winner in the family.

Comparing FL Handyman Insurance Online or Off: Every since the concept of insurance began and companies began insuring individuals in exchange for a premium, people would be able to meet with insurers in person and negotiate coverage; in fact for the most part calling insurers on the telephone was not even an option.

Little by little technology began to shorten the distance between two points and have allowed motorists to call companies and obtain quotes to compare from so that they would not have to take the time to drive down to offices only to find out that the product needed was not available or simply was far too expensive and they would have to visit another office to see if something cheaper can be obtained.

Now consumers are a bit spoiled; neither methods mentioned above need to be used to find the best insurer and affordable rates can be found in a fraction of the time online. Practically every insurer offers motorists the ability to obtain a quote online and what is even better is that consumers can use a comparison website which can deliver quotations from a wide variety of companies; by completing one brief form with basic information motorists can have rates to compare from in a matter of minutes and may even be able to purchase the policy right there and then on the website and get insured instantly.

Of course individuals can call or visit the company if they wish to speak to an agent, but nonetheless shopping by way of the Internet can save a bunch of time and some hard earned cash as well. One can even hop online and view the Florida Consumer Guide to Automobile Insurance to brush up on their knowledge regarding auto coverage.

If your business as a Handyman employs any staff (including part-time, trainees or sub-contractors), Employers liability insurance cover is a legal requirement. Employers liability insurance provides protection against your legal liabilities to pay compensation in respect of injury sustained by your employees in the course of your business as a Handyman. The other purpose of workers compensation insurance is to protect employers from potential lawsuits from injured employees.

Employers Liability Insurance for handyman work: This type of insurance would cover payment of legal fees and damages in the event that an employee was injured or killed while doing work for you. Our Handyman Insurance Program gives our policyholder comprehensive coverage for their businesses, and the program is designed for Handymen who: Are hired to do a variety of miscellaneous work that would be found in a residential household environment;.

The handyman must comply with Worker Compensation Insurance Laws and provide payment for employee medical treatment and part of any income lost while recovering from an on the job illness or injury. Workers compensation insurance is an insurance policy carried by businesses that covers the medical costs and a portion of lost wages for an employee who is injured on the job.

Comparing business auto insurance in the Sunshine State should be taken very seriously since the state’s residents pay some of the highest premiums in the country; conducting an effective comparison can be crucial in finding the most affordable policies. One should be sure to take the time to locate as many quotes from as many insurers before making a purchase to ensure that they have located a carrier that can offer the product needed at a rate that is within their budget. This may take a little bit of time, but if a cheap policy is found than the time invested would be well spent.

Motorists have a few ways to compare Florida auto insurance rates and while each one can be just as effective, some methods of comparing quotes can be much more time consuming than others. Individuals have the choice of visiting offices and negotiating terms and prices with agents in person, grabbing the phone book and calling as many companies as they wish until a rate that is reasonable has been found or they could shop around online either by visiting the individual websites of each insurer or using a comparison website which can provide the quotes of numerous carriers in one place. Which ever method a person prefers, it is necessary to compare in order to find the right product and the best deals.

The nation has 8.6 million children who lack public or private health insurance and 1.3 million of them are in California, Families USA, a Washington-based advocate for expanded health access, says in a report based on new census data.

California, the nation’s most populous state, is just behind Texas in the numbered of medically uninsured children, Families USA says, and at 12.5 percent has the nation’s 12th highest rate. Texas is No. 1 at 20.5 percent.

Families USA, confirming previous reports, says that 88.2 percent of uninsured children come from families with at least one working adult. Families without earned income usually qualify for one of the public medical plans such as Medi-Cal. It’s been estimated that more than 6 million of the state’s 38 million residents lack health insurance.

Last year, Gov. Arnold Schwarzenegger tried and failed to gain legislative approval of a plan to cover virtually all of California’s uninsured residents. The full Families USA report is available here.

When it comes to health care reform in America, there is a relatively simple solution that will cover everyone’s basic health care, control costs and save businesses, most people and the country a lot of money.

It’s called a single-payer health plan, where the government collects taxes to finance national health insurance. The government, which is the “single payer,” covers all citizens and pays the bills when they visit private (or public) doctors, hospitals and other facilities for medical care.

All would have basic coverage, regardless of whether they have a job, or where they work. Nobody gets billed for basic care. No-body goes broke because of medical bills.

Yet this option has been declared “off the table” by Sen. Max Baucus, D-Mont., who’s among those leading the charge for health care reform in America.

Top Democrats who will be deciding policy in America in 2009, including Baucus and President-elect Barack Obama, say single-payer is “not politically feasible,” because the public won’t strongly support it.

What they really mean is that when it comes to health care reform, they don’t want a political fight with some of the nation’s most powerful financial interests, which have the resources and the motivation to turn public opinion against meaningful reforms.

These interests include the health insurance industry, pharmaceutical drug companies, some hospitals, highly paid medical specialists, medical suppliers and others who now profit handsomely from our current system – and who could no longer command those profits under a single-payer system or an alternative form of a national health plan.

Life insurance is a legally binding contract between the insurer (a company) and the policy owner (insured).  Life insurance shoppers can obtain free quotes on term life insurance instantly from leading life insurance companies.  In the event of your passing, life insurance provides money directly to your beneficiaries.   The person(s) named by the owner of the policy to receive the life insurance proceeds upon the death of the insured.

Some life insurance policies can help you pay for major expenses like college tuition and estate expenses, or provide additional income for retirement or emergencies.  In addition to being financially secure, the life insurance company you choose should have a good claims payment history, good customer service and competitive pricing.

Workers compensation insurance covers workers injured on the job, whether they’re hurt on the workplace premises or elsewhere, or in auto accidents while on business.  Insurance quotes vary according to the state your business is in so you need to keep this mind when shopping for insurance. To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance.

In some states small businesses with fewer than three to five employees may not be required to carry workers compensation insurance. However, even if family members are excluded, they are still counted towards the number of employees to determine if you are required by law to carry workers compensation insurance. We have many workers compensation insurance and general liability carriers to help your business.  Employers failing to comply with these laws may be subject to penalties by the state and, in addition, may lose protections afforded them by workers compensation insurance and the laws of the state.

Additional Ways to Reduce MI Car Insurance Rates

Consumers looking to find lower premiums should become knowledgeable about auto insurance and how rates are affected and why it is important to shop around. First of all, according to the Michigan Department of Energy, Labor and Economic Growth there are approximately 65 licensed insurers in the state and each one is competing against each other in order to acquire new business; with competition comes the chance of finding an insurer with cheaper rates.

Although carriers determine their own rates, they are regulated by the state law which prevents for premiums from being excessively high and insurers are prohibited from communicating with one another in regards to the rates that they are setting. Therefore, each company will have a different pricing schedule which makes comparison shopping that much more important.

In addition to shopping around for a company that can offer the lowest rate, it is important that motorists shop diligently and wisely. When obtaining quotes from various companies be sure to address any and all discounts which may be applicable to your situation; a discount can reduce premiums significantly and combined with other discounts the savings can be substantial.

No Fault handyman automobile insurance is mandatory in the Wolverine State, but unfortunately for residents it can become very expensive depending on the area in which they reside. Certain areas of the state have some of the highest premiums in the country and many individuals have seen their rates gradually increase recently; this is mostly in the southern portion of the state and especially in the city of Detroit. Rates in this region are well above the national average and due to the economic struggles that have recently taken place in MI, many motorists are in need of finding the lowest possible prices for policies.

A good place to start in order for residents to reduce the cost of Michigan car insurance coverage is to begin comparing quotes from different companies; as mentioned, some insurers have begun to gradually increase premiums and those who have seen their premiums rise should compare quotations from other carriers to ensure that they are paying the most affordable rate available. If an individual is shopping for a new policy then it is an absolute must to complete a quote comparison from as many companies as possible; there are many providers in the state and the only way to find the cheapest one is to seek them out and get quotations to compare from.

Determining if you need commercial auto insurance can be confusing as the decision-making process contains a large amount of variables.  These are questions you will come across when searching for a company to purchase your commercial auto insurance.

Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes.  The last thing you will want to do is argue with your insurer over whether your automobile was used more for personal use or business use.  In my opinion, the risk of a serious auto accident wiping out a small business far exceeds the premiums paid for the coverage and this is not the place to save premiums. Purchasing business auto insurance is usually the safe route to follow.

A commercial auto policy does the same thing as your personal auto policy.   While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits, for example $1 million.  If you are relying on either a personal auto insurance or personal umbrella liability policy to provide you with protection for your company’s use of vehicles, look closely at the provisions, as business-related liability may be excluded.

Commercial vehicle insurance policies offers much more coverage options much more relevant towards the needs of a business.  Your personal auto policy will exclude coverage for commercial uses of your vehicle.   Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto.

If your company is incorporated or if you are a contractor, electrician, plumber roofer or any other artisan contractor or handyman Commercial Auto Insurance is a must for you.  Commercial auto insurance is one of the most important aspects of your business insurance program.  Commercial auto insurance and commercial truck insurance, including tow truck insurance are offered in 50 states.  We’re one of the largest commercial auto insurance providers in the nation, and we have an A+ rating. We have partnered with industry leaders to help you find the best rate for commercial auto insurance.

We insure many types of commercial vehicles including businesses autos, commercial vans and trucks, heavy trucks, trailers, buses and more. Our goal is to give consumers all the information and resources they need to make informed auto insurance decisions. Working with only the most respected names in the industry, we specialize in creating a wide variety of customized packages for both your business and personal insurance policies.  We offer special benefits designed specifically for our commercial auto insurance customers including discounts, competitive rates, exceptional claims service and more.

Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical illness.  Life insurance is never taxed when it passes on to a beneficiary.

Life insurance is a great instrument for assuring your family’s financial stability no matter what happens to you.  Life insurance is basically just money  if the insured lives, it is called savings and if he dies, it is called life insurance. Life insurance that does not build up cash value and provides coverage for a specified period of time. Life insurance is one way to help protect yourself as well as your savings. The life insurance companies are the largest institutes in the World, even bigger than oil and that to me is a solid company to be putting my money on rather than a stock market where you have no guaranteed return on investment, especially when the market crashes

If you operate a business out of your home, your Homeowners and Personal Auto insurance will not cover you.  In fact, running a home-based business without the proper coverage could result in cancellation of your Homeowners insurance.  Many home-based business owners believe that their homeowners or renters insurance policy will adequately cover their home-based business.

Just because a business is located in your home doesn’t mean your homeowners insurance policy will cover you. You can buy a homeowners liability endorsement that will protect you in case clients or delivery people get hurt on your premises and sue.  An in-home business policy provides more comprehensive coverage for business equipment and liability than a homeowners policy endorsement.  In-home business policies are available from homeowners insurance companies, which offer business insurance bundled with a standard homeowners policy.

Insuring your homebased business is easier than ever.  Optional Home Business Insurance Coverages  For an extra premium, you can beef up your Home based Business insurance policy by adding: Umbrella Liability protects your business against the costs of catastrophic lawsuits.  Therefore, you may need home based business insurance.

There are a few different home based business insurance options available for you to consider.  If you own a home business, your home based business insurance will be tax deductible.  Therefore, depending on the type of business that you run, you may need a home based business insurance policy. You may want to consider liability insurance for your business if there is a chance that your product may injure someone or if someone could become injured while visiting your home business.

They are the experts and they can point you in the right direction as far as home based business insurance.  Several home-based business owners own their own homes, and presume that their home based business insurance also covers their home-based business activities.  Not only is this not true, but your home based business insurance activities can annulled your home insurance.  While several home based business insurance owners rely on their home insurance to wrap damage, loss and theft of possessions, all home-based businesses should have contents insurance as well to the contents and or possessions insurance offered by the owner’s house insurance.

As consumers begin shopping around for automobile coverage they will quickly realize that there are many options that they have to choose from and for the average consumer it may be difficult to ensure that the right choice is made. auto insurance can be a complex product, but it is also extremely important and it may be in the best interest of a motorist to understand as much as possible before making a purchase; in many cases drivers either buy too much protection and spend unnecessary money or become underinsured.

If an individual is unfamiliar with the way an automobile policy works to protect them, they may want to take the time to do a little research and try to understand the difference in the various options that they have to pick from. There are many resources available online and off which can provide the definitions of the multiple types of protection and what they cover; by understanding this, consumers will have a better idea of what policy will best suit their needs. Whether getting help choosing the right policies from industry professionals, informative or government websites one thing will probably be certain and each will tell you that car insurance coverage recommendations will always include getting at least the minimum required to satisfy the laws of your state.

Choices in auto insurance Coverage

As mentioned, there are many choices that an individual has when they are looking to purchase an automobile policy and understanding them will be the difference in obtaining proper auto insurance. Aside from what the state requires an individual to purchase, they may want to consider higher limits than what their state mandates. For example, according to the Florida Department of Highway Safety and Motor Vehicles motorists are only required to carry coverage consisting of $10,000 in Property Damage Liability; while this may seem like a sufficient amount, this may not be the case if the insured strikes a luxury vehicle causing substantial damage and they may be held accountable for any remaining compensation exceeding the $10,000 due to the other party. Individuals who are residents of states that only require small coverage requirements to operate a vehicle may want to quote higher limits to protect themselves and their assets.

One type of coverage that many motorists choose to buy is Comprehensive and Collision which helps pay for damage sustained by the policyholder’s vehicle. Compensation comes in two forms; the insurance company will either pay the insured the amount needed to repair the automobile or replace it. There are no states that make this type of protection mandatory, but it can be beneficial to those who own high end automobiles or may even be necessary for those who are financing their car. Most financial institutions require their borrowers to carry this add-on as a condition of the loan agreement; this is done to protect the lender’s interest in the vehicle.

ABC’s liberal medical editor, Dr. Tim Johnson, appeared on Wednesday’s “Good Morning America to boost Barack Obama’s universal health care plan and critique the more market oriented proposals of John McCain. Co-host Robin Roberts began the segment by seriously asserting, “We’re not endorsing one plan over the other. We’re just showing the differences between the two.”

But after she mentioned Obama’s assertion during Tuesday’s presidential debate that health care is a right, Johnson marveled, “But, I’m struck by the language of the right to life, liberty and the pursuit of happiness. Without good health, and that usually means without good health care, it’s hard to have those other rights.” Johnson, despite being a doctor, adopts the standard, liberal positions of most journalists and has a 15 year-plus history of advocating universal health care, including once asking if Republicans who opposed the policy were “immoral.”

Regarding Senator McCain’s idea to give people the opportunity to buy individual plans, even if they don’t have an employer, Johnson criticized, “That’s a difficult thing to do because there are so many different plans marketed.” Accentuating the negative, he added, “So, you’ve got to do a lot of work on your own and read the fine print. It’s a very difficult job for an individual.”

Johnson found no such criticisms for Senator Obama’s proposal. After describing the various health insurance plans the Democrat would offer, he approvingly observed, “But these plans will have been vetted by the government, just like they do for federal employees…But you know they’ve been vetted for basic care and coverage and that the cost is fair.”

Click here for your free Handyman health insurance quote now!

Residents of the Lone Star State should be aware that financial responsibility is taken very serious in the state and laws mandate that a motorist must maintain and carry proof of automobile coverage at all times while operating a motor vehicle. Unfortunately, many individuals risk driving uninsured which is not only illegal, but can have serious consequences; if caught, fines can range from $175 to $350 for a first conviction and up to $1,000, the suspension of driving privileges and the impoundment of the vehicle for subsequent violations. The matter can become even worse if a person does not have auto insurance and is involved in a traffic accident.

If an individual is involved in an uncovered collision this means that they will not have any compensation in place in the form of a policy and can be held liable for paying for injuries and/or property damage out of pocket. In addition, the other party may file a lawsuit in order to receive compensation for their losses which can become quite expensive for the uninsured motorist due to court fees and the possibility of the judge ruling in favor of the plaintiff and having to pay the judgment. In many cases, situations such as this can be avoided by maintaining an adequate amount of liability car insurance for Texas and avoid driving without a proper policy.

Getting Affordable Liability Car Insurance in Texas

Being insured at all times while behind the wheel is important, but if an individual does not shop properly they can find themselves paying too much for auto insurance or obtaining the wrong type or amount of coverage. Although TX makes it mandatory for motorists to maintain a minimum amount of liability, these types of policies can also benefit the insured; rather than facing fines and having to pay for injuries and damages, this will cover the costs up to the limits stated on the policy. So if an individual is going to pay for a product that provides protection such as this, they may as well try and get it at the best price possible.

Motorists have a better chance of locating and purchasing affordable coverage by shopping around and comparing as many quotes from as many companies as possible; with the various insurers who are licensed and authorized to issue policies in the state, the best way to get the best deal is to compare rates. The prices that a carrier will charge for coverage can vary substantially with every company that a motorist applies with; therefore, the more rates a person has to compare from the greater the likelihood they will find an affordable provider. Although it could take a little bit of time to obtain quotations from multiple carriers it can be well worth it, especially since it is the most effective way to find a cheap policy and the Texas Department of Insurance has announced an increase of the required minimum liability limits will go into effect in 2011 which may increase premiums.

Emissions from California’s construction and other off-road diesel equipment are less than 28% of what state officials have estimated, according to a recently released study by the Associated General Contractors of America.

Given all Barack Obama said about change during the presidential race, he might be expected to quickly revamp America’s health-care system, which virtually everyone calls a mess. Local people who have pushed for health-care reform say, however, they don’t expect major changes in a hurry. But they do foresee the new president attending to the issue.

Tatiana Fassieux, manager of the Chico-based Health Improvement Counseling and Advocacy Program (HICAP), which advises Medicare beneficiaries on their California health care coverage, recalled attending a conference last year where the next president spoke.”Obama did talk about the benefits of a single-payer system,” she said. However, with the nation’s economic problems taking center stage, “I don’t see any changes happening immediately,” she added.

In a single-payer system, competition among insurance companies is eliminated, and one agency is put in charge of administering health coverage and paying providers.

For years, a local group, the Butte County Healthcare Coalition, has promoted a single-payer system for California and the nation. Several of its members told the Enterprise-Record they expect incremental changes from Obama. That doesn’t thrill them because they believe single payer is the only real fix for what ails America’s health-care system.

“We do think President Obama will do more than has been done so far,” said Jeanne Ertle of Chico. She is a member of the local coalition and also vice-chairwoman of a statewide group, Health Care for All — California, which promotes single payer.

The term “universal health care” can have different meanings, she said. To some people, it just means everyone has health insurance of some sort. What it should mean, she said, is that everyone has access to the care they need. She’s convinced single-payer is the only way to achieve that, she said.

Norma Wilcox, treasurer of the local coalition, said she’s read Obama’s health-care plan, which she described as “cautious.” He proposed requiring parents to buy health care coverage for their children and said he hoped to cover two-thirds of those who now have no insurance.

“I think he’s open to input and is testing the waters,” Wilcox said. Congressman Wally Herger, R-Chico, said in a phone interview from Washington that single payer has gotten lots of discussion in the House but that no plan has materialized.

Click here for your free California health care quote now!

Four New York State trade associations representing heavy construction contractors are suing the state over Gov. David Paterson’s announcement in March that the New York Dept. of Transportation would halt payments on all statewide capital construction projects not funded through federal stimulus dollars.

NYSDOT photo

As many as 500 bridge and highway projects in New York State are being affected by Gov. David Paterson’s decision to halt payments on all non-stimulus funded projects. The suit, filed on April 16 in state Supreme Court, alleges that the state has violated construction contracts with hundreds of contractors working highway and bridge jobs by requiring them to either continue working without payment or stop working altogether. According to the suit, any firms deciding to stop work could themselves be charged with breach of contract, jeopardizing their chance to bid on future state jobs.

A statement issued by the coalition of associations – which includes the General Contractors Association of New York, the Associated General Contractors of New York State, the Construction Industry Council and the Long Island Contractors Association – accuses Paterson and the DOT of putting the construction industry unwittingly “in the crossfire” between Paterson and lawmakers as they attempt to hammer out a budget.

http://newyork.construction.com/new_york_construction_news/2010/0420_DOTPayFreeze.asp

Health insurance the way you want it for short or longer-term coverage needs.  Health insurance like other forms of insurance is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses.  Health insurance helps protect you from high medical care costs.

Health insurance provides many things: a safety net, should you get sick or injured; the means to maintain your well being with tests, screenings and vaccinations; and peace of mind, knowing your family can get the cheap health care it deserves.  Most individuals must buy health insurance under the landmark legislation passed by Congress last month, or face fines that will be phased in.

New Home Sales soared by 26.9% in March to a seasonally adjusted annual rate of 411,000. Relative to a year ago, sales were up 23.8%. In addition, the numbers for February were revised up to an annual rate of 324,000 rather than the original reported figur… (source: iStock Analysis)

A spate of recent developments signals potential trouble for organizations allowing unpaid internships, particularly profit-seeking entities. The kickoff was an April 2, 2010 New York Times piece, the tenor of which was that many such internships amount to illegal unpaid employment. The article quoted the U.S. Wage and Hour Division’s Deputy Administrator Nancy J. Leppink as saying, “If you’re a for-profit employer or you want to pursue an internship with a for-profit employer, there aren’t going to be many circumstances where you can have an internship and not be paid and still be in compliance with the law.”

This was followed by the April 5 release of a similarly-toned report from the labor-side Economic Policy Institute. And, on April 7, California’s Division of Labor Standards Enforcement issued a letter opinion outlining its views about under what circumstances these relationships are permitted by that state’s laws.

Then last week, the U.S. Wage and Hour Division released its Fact Sheet No. 71 in which it listed six criteria that it said “must” be applied, “all” of which must be met, in order for an unpaid internship not to violate the federal Fair Labor Standards Act where for-profit, private-sector organizations are concerned. These factors, which have not been the subject of notice-and-comment rulemaking, are (with some editing):

•  The internship is similar to training given in an educational environment, even if it includes actual operation of the employer’s facilities,

•  The internship is for the intern’s benefit;

•  The intern does not displace regular employees but instead works under the existing staff’s close supervision;

•  The employer derives no immediate advantage from the intern’s activities, and its operations might occasionally actually be impeded;

•  The intern is not necessarily entitled to a job at the internship’s end; and

•  The employer and the intern understand that the intern is not entitled to wages for the time spent in the internship.

Whether public-sector and non-profit internships will be viewed with skepticism similar to that running through this document remains to be seen (although the Fact Sheet implies that they might not be).  The Wage and Hour Division says that it is “reviewing the need for additional guidance” in these areas.  Even those sectors should therefore proceed with caution.

Maybe all of this is remarkable happenstance. Or maybe instead it reveals a focused coordination of efforts aimed at coming enforcement initiatives.  Either way, any for-profit organization that is still willing to take on unpaid internships should structure and handle them so as to maximize the chances that they will be found not to create employment relationships for wage-hour purposes.

Do you have the right handyman business insurance?

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.