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HSA Plans:
Besides any of the regular health plans, you may also qualify for "HSA" compatible health plans. If you are self employed and you apply and are approved for one of these health plans, then you are eligible to get a "Tax Qualified" special bank account called an "HSA". This allows you to pay for healthcare expenses with pretax dollars. Not many banks offer these special bank accounts but here is a link to one that does: www.msabank.com.
Another Tax Advantaged Option:
If you are self employed and your spouse works with you, there are other tax advantged programs available we can help you set up (Section 105 of the IRS code--sort of like a Section 125, but a little different). If you qualify, this will give a 100% tax deduction on medical expenses, as well as medical insurance premiums and a deduction on up to 50,0000 term life premiums!
Group Coverage
If you have at lea
st one other person working with you, you may also qualify for group coverage, which is more expensive, but may be advantageous if you have pre existing conditions which make it difficult to qualify for individual/family plans. Maternity coverage may also be better on group coverage
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You may be considered uninsurable, due to pre existing conditions. If you are turned down for regular insurance, many states have a guaranteed plan available, but it may expensive and there may be a waiting list. If you can get on the state plan, you should. Check it out and see if it will work for you. You may want to consider the program mentioned to the right as a supplement to whatever else you may get.
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Guaranteed Acceptance (issue) mini-medical plans. They are NOT merely discount plans, they are mini-medical plans! Click on this link Mini-Medical Insurance then when you get to the page, scroll down and look for the Healthcare Assurance Executive 1;
and the Medical Insurance Plan - Signature. You may want to choose either or both! There is also an Rx plan.
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