Scott K. Wilder
Information on health care for independent contractors and self-employeed
Mainsite: https://www.stridehealth.com/
About Stridehealth.com
What is Stride Health?
We have your back.
Stride Health protects your health and your wallet. You'll quickly build a health profile so we can predict your medical costs for the year, like a financial advisor would do for your investment accounts. Stride's algorithm uses this information to recommend your best-fit health plan keeping your body, your wallet, and even your doctors in mind. After that, we're in it for the long-haul: you get a personal support team to help you invest wisely day-in, day-out.
We work just for you.
Your profile data is highly secure, never shared without permission, and can never be used to increase the cost of your health plan. Stride Health is authorized to sell plans with every major insurance company in America. We comb through hundreds of data points for each plan to match you with the best one, then pass your application directly to your insurance company of choice.
We'll even filter to find your "best plan" recommendation with your preferred doctors, your prescriptions, and the clinical efficacy of all of the doctor network included. We're certified to match you with government assistance, too!
Main site: http://www.cigna.com/individuals-families/self-employed
View Plans: Here
About Cigna - For Self Employed
No more cubicles. No more benefits department calling the shots on your health insurance. When you’re self-employed, health insurance is a business expense—and it affects your bottom line. You want the best deal. But you know that a lower premium isn’t always the right answer. Here’s some good news: we provide health insurance for self-employed people like you, whether you’re single or have a family. Our plans have a range of options to satisfy your individual needs and your accountant's (maybe that’s you, too).
You can find a doctor who participates in our provider network and help keep expenses down. And, to help keep you healthy, in-network preventive services are covered at 100%*.
Running your own show is hard work. Cigna offers health insurance plans that fit the needs of self-employed people.
*Not all preventive care services are covered like immunizations for travel. See policy for a complete list of covered and non-covered preventive care services.
Health Insurance Provider Networks: If you reside in Arizona, California, Colorado, Florida, Georgia, Missouri, Tennessee, and Texas, Cigna offers a smaller LocalPlus Network with a limited number of providers. Don't let the name fool you — the network is local, but if you're away from home, you can still visit a LocalPlus doctor or facility (where available). When outside the LocalPlus Network, you may use the Open Access Plus network for in-network benefits. When you choose a doctor or hospital in Cigna's LocalPlus Network, you'll pay less out-of-pocket for providers who participate in this network.
Your current doctor may not be in the LocalPlus Network, but you'll find many quality in-network providers in your area. To find providers in the LocalPlus Network, including participating providers when you are away from home, please review the LocalPlus Network flyer , visit Cigna.com/ifp-providers or call 1.866.438.2446.
If you reside in Connecticut, Maryland, North Carolina, or South Carolina, Cigna offers the Open Access Plus national network. When you receive care from an Open Access Plus provider, you will receive in-network savings. To find providers in the Open Access Plus network, visit Cigna.com/ifp-providers or call 1.866.438.2446.
Health Plans to Meet Your Needs: Health Savings Plans allow you to maximize your savings now and in the future with these high deductible plans. Plans offer low premiums and 100% coverage on qualified health services (excluding non-preferred drugs) once you’ve reached your deductible. And they’re paired with a tax-advantaged Health Savings Account (HSA), which helps you budget and save for current and future health care costs. Health Flex Plans are just that: flexible. These plans offer a wide choice of plan options to balance your needs for affordability and access to care, making them a favorite to those who value flexibility. Copay Assure Plans are a good choice if you like the simplicity and security of knowing what you’ll pay when you seek care. The simple, straight-forward design of these plans makes them easy to understand and use. And with no deductible to meet and fixed out-of-pocket costs when you seek care, these plans provide the most predictable expenses.
With these plans from Cigna, you can find one that fits the unique person you are, so you can focus on what's important in your life.
Main site: http://www.ehealthinsurance.com/ehi/self-employed-health-insurance
About eHealth Insurance
If you're self-employed or starting your own business, eHealthInsurance can help you find the affordable health insurance plans you need. With unbiased licensed agents and the biggest selection of health plans online, eHealthInsurance makes shopping for health insurance easy.
Main site: https://www.humana.com/individual-and-family/products-and-services/medical-plans/self-employed
About Humana
When you are self-employed, you get to enjoy the freedom that comes with being your own boss. You also have to make big decisions like choosing your own healthcare plan. There are many great options available and understanding those options can take a lot of stress out of the search for health insurance.
As a self-employed person, with no employees, you are considered an individual in the eyes of the government. This means you are now required to have health insurance or you could be subject to penalties come tax season. Whether you are a freelancer or starting your own business, the flexibility of today’s health care options makes it easier than ever to find a plan that works for you.
Humana offers a variety of plans to fit your budget, plans that can cover not only you but your family as well. No matter what your situation, we can help you find a plan that’s right for you. Visit humanahelps.com during open enrollment to learn more about the healthcare options available through Humana. If you’ve missed open enrollment, continue reading to learn more about your options.
Main sitesstrong text:
About SBA's Health Info
Self-Employed
*2016 Enrollment in the Health Insurance Marketplace begins on November 1st *
If you’re a self-employed individual with no employees, you are eligible to purchase coverage through the new individual health insurance Marketplace. Enrollment for 2016 begins on November 1, 2015. Visit HealthCare.gov to learn more.
-To learn more about special enrollment periods, outside of open enrollment, visit HealthCare.gov
Some of the provisions that may impact self-employed individuals include:
Individual Shared Responsibility (Also Known as Individual Mandate)
Effective January 1, 2014, the Individual Shared Responsibility provision of the Affordable Care Act means that each individual must have basic health insurance coverage (known as minimum essential coverage), qualify for an exemption, or pay a fee when filing a federal income tax return. Individuals will not have to pay the fee (also known as an individual shared responsibility payment ) if coverage is unaffordable, if they spend less than three consecutive months without coverage, or if they qualify for an exemption for several other reasons, including hardship and religious beliefs. The fee in 2014 is calculated one of two ways. You’ll pay whichever of these amounts is higher:
-1% of your yearly household income. (Only the amount of income above the tax filing threshold, $10,150 for an individual, is used to calculate the payment.) The maximum payment is the national average yearly premium for a bronze plan.
-$95 per person for the year ($47.50 per child under 18). The maximum payment per family using this method is $285.
For more information about the Individual Shared Responsibility requirements and exemptions that may apply, refer to this Fact Sheet from the U.S. Department of Treasury as well as these Q&As from IRS.
Coverage through Medicaid Expansion
Each state operates a Medicaid program that provides health coverage for lower-income people, families and children, the elderly, and people with disabilities. The eligibility rules for Medicaid are different for each state, but most states currently offer coverage for adults with children at some income level. In addition, under the Affordable Care Act, states have the option to expand Medicaid eligibility to include adults ages 19 – 64 with incomes up to 133% of the Federal Poverty Level (about $15,000 per year for an individual, $31,000/year for a family of four). To learn more about your state Medicaid program and other options available to you, visit Healthcare.gov.
Additional Medicare Assessment
An Additional Medicare Tax of .9 % went into effect in 2013 and applies to wages, compensation, and self-employment income above a threshold amount received in taxable years beginning after Dec. 31, 2012. An individual is liable for Additional Medicare Tax if the individual’s wages, compensation, or self-employment income (together with that of his or her spouse if filing a joint return) exceed the threshold amount for the individual’s filing status - $200,000 for single filers and $250,000 for married joint filers. For more information, refer to these FAQs from IRS.
Net Investment Income Assessment
Beginning January 1, 2013, a 3.8% tax will be assessed on net investment income such as taxable capital gains, dividends, rents, royalties, and interest for taxpayers with Modified Adjusted Gross Income (MAGI) over $200,000 for single filers and $250,000 for married joint filers. Common types of income that are not investment income are wages, unemployment compensation, operating income from a non-passive business, Social Security Benefits, alimony, tax-exempt interest, and self-employment income.
Timeline of Provisions
The Affordable Care Act timeline provided by the U.S. Department of Health and Human Services includes the next steps you can take to implement the provisions.
Main Site: https://www.healthcare.gov
Marketplace categories: https://www.healthcare.gov/choose-a-plan/plans-categories/
About HealthCare.Gov
If you're self-employed, you can use the individual Health Insurance Marketplace to enroll in flexible, high-quality health coverage that works well for people who run their own businesses.
You can enroll through the Marketplace if you’re a freelancer, consultant, independent contractor, or other self-employed worker who doesn’t have any employees.
When you fill out a Marketplace application, you’ll find out if you qualify for premium tax credits and other savings on a health plan. This will be based on your income and household size.
You’ll also find out if you qualify for free or low-cost coverage through the Medicaid and CHIP programs in your state. This will depend on your income, household size, and other factors.
You can choose from several categories of coverage, from plans with low premiums that mainly protect you in worst-case scenarios to plans where you’ll pay more each month but less out-of-pocket when you get health care services.
Marketplace coverage for the self-employed
You’re considered self-employed if you have a business that takes in income but doesn’t have any employees. If your business has even one employee (other than yourself, a spouse, family member, or owner), you may be able to use the SHOP Marketplace for small businesses to offer coverage to your employees. See “How do I know if I’m self-employed or a small employer?” to learn more.
Self-employment income and Marketplace savings
Marketplace savings are based on your estimated income for the year you’re getting coverage.
Projecting your income
When you fill out a Marketplace application, you’ll have to estimate your net income for the year you want coverage. (See “Reporting net income” below to understand what income to report.)
When you’re self-employed, it may be hard to estimate your income.
Do your best to estimate your self-employment income and expenses for the year accurately, based on your past experience, realistic expectations, industry standards, and other information.
During the year, if it looks like your yearly income will be higher or lower than you estimated, update your Marketplace application as soon as possible.
Important: Update your estimated annual income when your business circumstances change. If you wind up making more than you reported on your Marketplace application, you could have to pay back some or all of the premium tax credits you took during the year. If you wind up making less, you could qualify for more savings than you claimed during the year.
Reporting net income
On your Marketplace application, you’ll be asked to report your net income from your self-employment. (Net income is sometimes called “profit.”)
Your net income is the difference between your self-employment income and your business expenses.
If your self-employment income is higher than your business expenses, you report this net income.
If your business expenses are higher than your income, you report a net loss.
Your net income from self-employment is what you report on Schedule C of your federal tax return. Learn about income from self-employment from the IRS (PDF).
Other kinds of income
When you apply for Marketplace coverage, you must report income from everyone in your household. Learn who to count in your household and how to report other kinds of income
Since February 2013, Uber has offered ridesharing as the lowest-cost, most reliable on-demand transportation alternative. Bringing uberX with ridesharing to market in the U.S. has also required robust insurance coverage. Uber’s best-in-class insurance coverage for ridesharing in the U.S. includes as of July 14, 2014:
-$1 million of liability coverage per incident. Uber holds a commercial insurance policy with $1 million of coverage per incident. Drivers’ liability to third parties is covered from the moment a driver accepts a trip to its conclusion. This policy is expressly primary to any personal auto coverage (However it will not take precedence over any commercial auto insurance for the vehicle). We have provided a $1 million liability policy since commencing ridesharing in early 2013.
-$1 million of uninsured/underinsured motorist bodily injury coverage per incident. In December 2013, we also added uninsured/underinsured motorist coverage. In the event that another motorist causes an accident with an uberX vehicle and doesn’t carry adequate insurance, this policy covers bodily injury to all occupants of the rideshare vehicle. This is important to ensure protection in a hit and run.
-Contingent comprehensive and collision insurance. If a ridesharing driver holds personal comprehensive and collision insurance this policy covers physical damage to that vehicle that occurs during a trip up to the actual cash value of the vehicle, for any reason, with a $1,000 deductible.
-No fault coverage (e.g., Personal Injury Protection) is provided in certain states at similar levels as limos or taxis in those cities.
-$50,000/$100,000/$25,000 of contingent coverage between trips.** During the time that a ridesharing partner is available but between trips, most personal auto insurance will provide coverage. However the driver is also backed by an additional policy that covers driver liability for bodily injury up to $50,000/individual/accident with a total of $100,000/accident and up to $25,000 for property damage. This policy is contingent to a driver’s personal insurance policy, meaning it will only pay if the personal auto insurance completely declines or pays zero. This policy meets or exceeds the requirements for 3rd party liability insurance in every state in the U.S.
-As always, all UberBLACK, UberSUV, or uberTAXI rides are provided by commercially licensed and insured partners and drivers. Those transportation providers are covered by commercial insurance policies, in accordance with local and state requirements. We are proud of these policies. We continue to look for ways to do more to ensure safety on the road for our transportation providers and their passengers. As we continue collaborating with the insurance industry and other stakeholders, there will be more to come.
** Effective as of March 14, 2014 in all U.S. states
Main sites: www.hioscar.com
Get a Quote: https://www.hioscar.com/get-oscar/
Plan Highlights: https://www.hioscar.com/hx/plan-picker/
Good article on Oscar in New Yorker: http://www.newyorker.com/business/currency/can-selling-insurance-to-patients-transform-health-care
About Oscar
The Oscar team is focused on utilizing technology, design and data to humanize healthcare. They are a group of technology and healthcare dreamers who looked at the current state of the US healthcare system, got frustrated by the horrible consumer experience, and decided to do something big about it. Backed by a renowned set of investors and advisors, they’re building a team in New York City’s Puck Building.
Oscar insures people who don’t get insurance from their job or through Medicaid and Medicare. We currently offer plans in parts of New York, New Jersey, California, and Texas and are continuing to expand. Our members come from all walks of life—young, old, healthy, or sick—and receive great care and earn rewards for staying active.
We believe that health insurance should be simple, smart, and friendly. Founded in 2012, Oscar was the first health insurance company created for consumers in the new world of the Affordable Care Act. That means plans and benefits you understand, tools that save you time and money, and people who want to help you along the way.
We’re on a mission to bring quality and value back together in American healthcare. We don’t just pay the bill—members trust Oscar to guide them to better doctors, better care, and lower costs.
Main Site: https://www.healthcare.gov
Marketplace categories: https://www.healthcare.gov/choose-a-plan/plans-categories/
About HealthCare.Gov
Government site about
If you're self-employed, you can use the individual Health Insurance Marketplace to enroll in flexible, high-quality health coverage that works well for people who run their own businesses.
You can enroll through the Marketplace if you’re a freelancer, consultant, independent contractor, or other self-employed worker who doesn’t have any employees.
When you fill out a Marketplace application, you’ll find out if you qualify for premium tax credits and other savings on a health plan. This will be based on your income and household size.
You’ll also find out if you qualify for free or low-cost coverage through the Medicaid and CHIP programs in your state. This will depend on your income, household size, and other factors.
You can choose from several categories of coverage, from plans with low premiums that mainly protect you in worst-case scenarios to plans where you’ll pay more each month but less out-of-pocket when you get health care services.
Marketplace coverage for the self-employed
You’re considered self-employed if you have a business that takes in income but doesn’t have any employees. If your business has even one employee (other than yourself, a spouse, family member, or owner), you may be able to use the SHOP Marketplace for small businesses to offer coverage to your employees. See “How do I know if I’m self-employed or a small employer?” to learn more.
Self-employment income and Marketplace savings
Marketplace savings are based on your estimated income for the year you’re getting coverage.
Projecting your income
When you fill out a Marketplace application, you’ll have to estimate your net income for the year you want coverage. (See “Reporting net income” below to understand what income to report.)
When you’re self-employed, it may be hard to estimate your income.
Do your best to estimate your self-employment income and expenses for the year accurately, based on your past experience, realistic expectations, industry standards, and other information.
During the year, if it looks like your yearly income will be higher or lower than you estimated, update your Marketplace application as soon as possible.
Important: Update your estimated annual income when your business circumstances change. If you wind up making more than you reported on your Marketplace application, you could have to pay back some or all of the premium tax credits you took during the year. If you wind up making less, you could qualify for more savings than you claimed during the year.
Reporting net income
On your Marketplace application, you’ll be asked to report your net income from your self-employment. (Net income is sometimes called “profit.”)
Your net income is the difference between your self-employment income and your business expenses.
If your self-employment income is higher than your business expenses, you report this net income.
If your business expenses are higher than your income, you report a net loss.
Your net income from self-employment is what you report on Schedule C of your federal tax return. Learn about income from self-employment from the IRS (PDF).
Other kinds of income
When you apply for Marketplace coverage, you must report income from everyone in your household. Learn who to count in your household and how to report other kinds of income.
Main site: https://www.freelancersmedical.org/
Health Benefits section: https://www.freelancersmedical.org/assets/medhome/pdfs/FMHealthInsuranceToolkit.pdf
About Freelancers.org' Insurance
Freelancers Union, Inc. (FU) is not a licensed insurance agent or insurer. Freelancers Union contracts with Guardian to provide you with life insurance. The information on this Website about life insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any products are governed solely by the applicable Member Contract. In the event of any inconsistency between information provided on this Website and the specifics provisions of the Member Contract, the Member's Contract shall govern.
