You are operating a business and it is just you, a single gentleman or maybe even a single woman. You are very savvy within the business community, after years of being employed with a large corporation.  Never once in all the years of being an employee, did you have to give a thought to medical […]

Empire Blue Cross and Blue Shield is an independent licensee of Blue Cross and Blue Shield which is a major health plan association. They have about 5 million members in New York and across the US. The Blue Cross and Blue Shield Association has been in existence for 80 years and has grown to 39 […]

Health insurance premiums no matter what health plan you have are spent on two things: on medical costs and administrative costs. The part of your premium that goes to your medical services is called the medical loss ratio. The higher the medical loss ratio of a health insurance company, the lower their profit is. According […]

He is the genius behind the iPod, iPad, iPhone, and Pixar (among others). He redesigned technology into something that people can enjoy using without requiring extensive knowledge of technology and programming. He made what used to be ordinary things into a phenomenon. He saved Apple when it was struggling and managed to make Apple one […]

There are many known reasons why self-employed health insurance is becoming so expensive that families, businesses, and individuals are beginning to rethink the worth of the policy. How sad when more insurance policies are being discontinued that are renewed by the mass public. The overhead cost per family has risen so dramatically that pay scales […]

How many citizens of this fine country believed that the introduction of The Patient Protection and Affordable Care Act was the cure-all for the reduction of health insurance coverage costs? How many self-employed individuals even gave thought to what they would have to relinquish to reach the hypothesized end goal? The majority of self-employed citizens […]

Self-employed individuals continue to have an uphill battle when it comes to affordable insurance. It seems that unless you are employed by a larger institution, it is next to impossible to acquire any comprehensive health insurance coverage. Most of the self-employed working and living in our communities are without insurance. The few enrolled in an affordable […]

Technically, six different types of health insurance coverage are readily available to all self-employed entrepreneurs who need one. Nothing for the self-employed entrepreneur comes cheap, so it is important to expect an unusually high price tag to go with the policy of choice. The six different insurance policies that are currently available are: Health insurance […]

Small businesses and the self-employed make up a very large part of the working landscape throughout the country today. The days of only the large corporations hiring additional employees is a part of the past that seems to continue lingering. Part of this is because there are not enough large corporations to sustain the mass […]

Self-employed sole proprietors along with small business entrepreneurs are about to face a daunting difficulty with the rules, laws, and regulations woven into the health reform bill that was passed in March 2010. Many of the new mandated rules will apply to established small businesses that have fewer than fifty employees, but the new sole […]