Question : How can I get health insurance for myself and family and pay for it as business expense without employees?
I'm a successful part time entrepreneur in California, but I maintain my day job because of the group health insurance they offer. I'd like to cut the apron string and go out completely on my own, but the insurance situation holds these plans hostage.I don't want to buy private health insurance, I would like to structure my one man business so that I can easily purchase group health insurance for myself and family. I'd like to purchase group insurance as opposed to private insurance so that I don't have to deal with preexisting conditions and riders, etc. Since I'm still a sole proprietor, I have plenty of leeway in regards to business structure, and I'm willing to change whatever is necessary to get the best deal possible.How can I get health insurance for myself and family and pay for it as business expense without employees?
- asked by Dane C
All Answers:
Answer #1
you can't legally.
- answered by bic
Answer #2
First you need to find an insurance company thatwill sell you group insurance. I don't think it'sgoing to be possible because of the fact you haveno employees.Companies are not going to beinteresting in providing group plans (with themgiving a group discount) without a group foreconomies of scale. If you have a large familythat is of employable age you MIGHT be able toemployee them and have them covered.. BUT you'regoing to be paying for it like they were allseparate families.. not in a covered policy ofyour own.I would be surprised if you could getthis to work. I've heard TV commercials for smallbusiness insurance plans.. might want to googlethat.
- answered by GoddessofCoughSyrup
Answer #3
In order to get group coverage you must have aminimum of four employees and have 75%participation to qualify.
- answered by Kelly T
Answer #4
Every states has different guide line for thegroup insurance. I suggest to checkthis
http://www.insureme.com/landing.aspx?Refby=614138&Type=healthyou will be contacted by thelicensed agents who can help your question. It isfree!
- answered by John
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measure and fulfill your financial needs
