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Health Insurance California For Self Employed Question & Answers

2013 November 25
by Sarah Fields

Jenny asks…

how does anyone think US healthcare is a fair and just system?

employers are allowed to write off their health care expenses for their employees……if you pay for your own healthcare its not only going to cost you much much more, you cant write off a single cent,,,unless it becomes so large your assets are seized.

Sarah Fields answers:

Q. How does anyone think US healthcare is a fair and just system?
A. I am not sure that anyone does think it is fair and just. However, they do not agree on how to fix this. For example, I think everyone thinks either (a) the government is too involved or (b) the government is not involved. They agree changes are needed, but not what changes.

Q. If you pay for your own healthcare its not only going to cost you much much more,
A. At the moment, I am paying $61 per month for my own insurance, when a previous employer had paid approximately $400 per month. (This is from the same insurance company, Blue Cross Life & Health of California, but the deductible and some other details are not the same.)

Q. You cant write off a single cent
A.
1. If your total healthcare costs, including insurance and out-of-pocket, exceed a certain percent of income, you can deduct it.
2. If you are self-employed, there is a special deduction for health insurance, even if you do not itemize.

Lisa asks…

Health insurance? What do I doI if I cannot afford to pay the premiums?

I am self employed. I do not have the money to pay the premiums. anyone know about California assistance programs.

Sarah Fields answers:

Stop paying the premiums.

Peace of mind is more important than bankrupting yourself paying insurance premiums.

I am sorry but I am not familiar with, or know about California assistance programs.

Does this help any?

Joseph asks…

What are the best jobs for people with a felony record in southern california?

Are there any agencies that work with felons to get them jobs? What are some of the best resources.

Sarah Fields answers:

I would think that you would always have the option of being self employed. Tupperware, mary kay, amway, also what about an internet home business. What about car salesmen ? Learn a trade and be a free lancer, graphic arts, programming, web design. Sure there are many others, just can’t think of them.

I would also keep trying for a regular job with benefits, health insurance. Maybe not all companies say no ? Investigate so thoroughly ? Any chance of ever getting the record expunged ?

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