Re: Insurance options for 1099 gigs -- CONSULT400

You're dealing with two issues: being on a 1099 and establishing a rate
that supports the cost of medical coverage you want. The 1099 life is not
for everybody, with medical insurance as a major consideration. Don't
forget you have to pay the employer's share of FICA and Medicare; it's
7.65%. There are a lot of reasons to have an employer!

ObamaCare currently covers 35,000,000 Americans and provides for
routine health care for a class of Americans struggling to pay for *any* health
care. Should ACA provide catastrophic coverage? Probably...but Medicare
wasn't perfect when it was introduced. This may not be obvious but
regular medical and wellness care, made available to millions via ACA and
when received over a lifetime, significantly decreases the risk of
catastrophic illness, both pre- and post-Medicare. This doesn't help you
now, of course, but it's part of the ACA strategy: keep people healthy over
their lifetime.

It sounds like you need critical illness, not catastrophic illness,
coverage. But Medicare with good supplemental plans is the way to go--I've
had prostate cancer and my world-class treatment as a major teaching
hospital didn't cost me a dime. My wife had a knee replacement--didn't
cost me a dime. But you pay for Medicare and it's not cheap

On Thu, Apr 20, 2023 at 4:15 PM robertowenberendt <
robertowenberendt@xxxxxxxxx> wrote:

IDK how you roll but you can Google faith based health insurance Sent from
my Verizon, Samsung Galaxy smartphone
-------- Original message --------From: Dan <dan27649@xxxxxxxxx> Date:
4/20/23 6:16 PM (GMT-05:00) To: CONSULT400@xxxxxxxxxxxxxxxxxx Subject:
[Consult400] Insurance options for 1099 gigs (I suppose this could include
W2 contract gigs that don't offer groupinsurance.)I'm open to considering
1099 gigs, but the thing that always concerns meabout the hourly rate is
knowing how much I need to build into my rate forhealth and disability
insurance. Thanks to ObamaNoCare, my options forcatastrophic coverage were
eliminated. I've been out of the 1099 space forseveral years now. Are
there groups available one can join to get a grouprate? Many moons ago,
someone mentioned to me that a local chamber ofcommerce might have such a
group. I looked at our local C.o.C.'s website,but it didn't mention
anything about group coverage.- Dan-- This is the Consulting on the IBM i
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