One of the major hassles of being self employed is the need to find an affordable health insurance plan that doesn't break the bank as you're trying to keep your own business running successfully. With all the articles and news casts about the ever rising costs of health care, the thought of finding an appropriate insurance policy that is also cheap can seem like a daunting task at first glance.
The good news is that if you are self employed then you have an abundance of choices in health insurance options. There is individual health insurance, small group health insurance, discount plans, and then the process of looking at various insurance companies and allowing them to bid away for your business. The most important aspect of finding a good health insurance plan is to be organized and to do your research before you actually start the process of shopping.
Individual health insurance is often the best way to go because these policies tend to be the cheapest. This has a major asterisk, in that your family will not get coverage. If you are single, this is not an issue. If you have small children or a pregnant wife, then this is a very big deal. If individual health insurance is a viable option, you should strongly pursue these policies as they usually cost only 50% as much as group plans or other options.
Small group health insurance often takes place when a group of small business owners band together (and some states require only as few as two people) in order to get insurance coverage. If this is much more expensive, then why choose this over individual health insurance? It depends on your history. If you are older, then having a group of younger individuals can bring down the cost. Also, if you have a pre-existing condition then they still can not turn you down.
These are the two best options for most self-employed individuals, although there are other options, though often with more danger of the unscrupulous side of things getting involved. One thing to note, is that at least of the writing of this article laws have been passed so that your individual health insurance is 100% tax deductible in the United States. That's right: every penny spent in a policy to keep you covered can be used as a tax write off from Uncle Sam. This can strongly help to off-set what may seem like prohibitive costs from covering yourself via an individual health insurance policy.
Health insurance is important, and self-employed health insurance is even more so since you are solely responsible for lost income, as well as your own health. There are companies who specialize in insurance for small businesses, so check around to see what type of a special deal they might be able to offer. There are a wide arrange of options out there, so just do your research and look around and you'll find the right self employed health insurance for you.
Health Ins Self Employed
Self motivation is a well known challenge for the self employed. And never more so than for creatives. Why so? Well creative types very often choose to become self employed precisely so that they can exercise their creativity and flexibility in their work. Not for them the tedium of a regular nine to five office job!
But when you're self employed, YOU become the boss. And the employee. And this dynamic sets up a whole set of inner relationships and rebellions that need to be handled with care. Particularly when it comes to managing your motivation so that you can achieve successful outcomes for both your business and for yourself.
Assuming that at least part of the reason you're in business is because you want to make money, your inner boss will be need to be in a position to make strategic decisions, undertake planning activities and dictate hours of work.
And assuming that you're creatively self employed because you want flexibility and creativity in your working life and don't want to be dictated to, your inner employee will need a certain degree of freedom and leeway on the job.
So how is your relationship between your inner boss and your inner employee?
Recently I asked this question of a creative coaching client who was struggling to run her home-based creative business. She surprised herself with her reply! She'd expected to respond that her inner boss was terrorizing her inner employee and that what she needed was more freedom to work flexibly so that she could enjoy her working time more. What emerged, though, as she thought about the question, was that the roles were reversed... her inner employee was rebelling against her inner boss to such an extent that she despaired of ever producing any meaningful output.
To motivate yourself happily and successfully, it's clearly important to nurture a supportive relationship between these two parts of yourself. And that means engaging them in regular dialogue with each other. Your inner boss needs to appreciate the working style and form of flexibility that your inner employee resonds best to. And your inner employee needs to understand what the boss reasonably requires in order to produce results that both will find satisfactory and rewarding.
Both your inner boss and inner employee will sometimes need to understand the principle of the delayed reward. Your inner boss, for example, is more likely to allow your inner employee to take that luxuriously creative hour for writing in the middle of the afternoon, if there's an understanding that the employee will work, and work far better, in the early evening as a result. And likewise, your inner employee is more likely to let your inner boss lay down some plans for future ambitious projects if there's an understanding between the two of them that the plan includes an allowance for creative travels and time out on completion.
So as you think about your conflicting motivations when it comes to work, creativity, self employment, money and flexibility, take a moment to be aware of the different parts of yourself that have a stake in the process. If you can involve each part in a way that allows it to have a say and to negotiate with the other parts, you're likely to achieve a much higher overall level of motivation in your work. And, of course, the corresponding success that comes along with it.
Both M. Jedediah & Mary Mcneil are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
M. Jedediah has sinced written about articles on various topics from Family, Finances and Computers and The Internet. For more information on health insurance, visit - a site that provides health insurance related tips and resources to i. M. Jedediah's top article generates over 74000 views. to your Favourites.
Mary Mcneil has sinced written about articles on various topics from Web Development, Stress Management and Internet Marketing. If you're brimming with creative ideas but struggling to develop them into tangible output, the practical support of a coach can make all the difference. Mary McNeil of
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