[Jewelry making - Article 01336] - Re: [Orchid] Healthcare For The Self Employed

[R . E . Rourke]

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hi J

    we created a design group, and through that were able to afford a
    group health insurance policy with a dental coverage option for
    those that wanted to pay the extra amount in the group.It required
    setting up a not-for-profit organization though by IRS standards (
    501 (c) 3 status) that has the added benefit of serving as an
    umbrella for grant application processes,and other valuable raissons
    that would otherwise be unavailable to individuals, however with a
    group and organized board, administration of funding became possible-
    not that that's what you're asking- just a perk of paying the govt.
    fees for the creation of an organization that helps get people that
    fall through most cracks health coverage.. there are a number of
    insurers that offer small business policies as well, but the prices
    are generally ridiculous if you want to eat, and subsist as well as
    have health coverage!. Also a number of "alternative" methods of
    getting coverage, based on your assets, income and other private
    factors that i won't list here[, but will be in touch with you
    about..( no big secret thing, just lengthy info and sources )..] are
    probably worth looking into if you want to forgo gathering a group of
    friends /artisans and attempt setting up a not-for-profit, but the
    financial savings are truly worth it in the long run..for example,
    insurance 9 premium) that would cost you $1200.00 a month as an
    individual, would be closer to 250.00 a month - a big difference but
    still major output, particularly if you are healthy and don't have
    pre-existing conditions..and there are less expensive insurers as
    well as the one i just quoted from.. CERF, is another organization
    that can help you in non - ongoing matters..like you sever a tendon,
    or burn your eyes with acids. or cyanide gas overcomes you and you
    don't quite die..lovely imagery but-- could happen..in those cses
    CERF can assist..as well, they have insurers that they recommend -
    for small business insurance and health coverage..you should
    definitely, as well as all ORCHIDiANS, check out and become familiar
    with CERF..they are mainly a disaster recovery tool, but some of
    their other information is a) good to know, B0 worth supporting, and
    can help each of you that are beyond the hobbyist stage should need
    be..you must be a business though..otherwise the help is not
    guaranteed..for instance, you have begun making jewlery and are
    selling it and in process of incorporating as an LLC, or sole
    proprietorship ( bad move!!!) but haven't gotten around to filing
    the papers, paying the fees or some other requisite to finalization
    of your status as a legitimate business.. 

    It's getting rather dark here so I have to turn off the solar and
    hydro, but will continue, if i have any more usable info
    later..lightening and cpu's don't mix well! 

RER
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