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"The solution for healthy self-employed individuals is simple, according to author Paul Zane Pilzer. These folks should buy a high-deductible individual or family policy that is qualified to be paired with a health savings account, he says. 'No one should ever go without health insurance, especially since it has now become affordable for most working people,' says Pilzer." People who are self-employed face the same dilemma
as early retirees--the burden of getting health insurance in place is on
their shoulders. The solution for healthy self-employed individuals is
simple, according to author Paul Zane Pilzer. These folks should buy a
high-deductible individual or family policy that is qualified to be
paired with a health savings account, he says. "No one should ever go
without health insurance, especially since it has now become affordable
for most working people," says Pilzer. The national average price for an
HSA-qualified high-deductible plan is $92 a month for a single person
and $272 a month for a family plan. Even better, says Pilzer, is that
self-employed individuals can deduct the entire cost of health insurance
premiums from their taxable income. "So your aftertax cost will be even
less," he says. Pilzer recommends self-employed people open an HSA and
make the maximum tax-deductible annual contribution. Main Article: Healthy Planning - Thinking About Retiring Early? Get Health Insurance First
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| ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION |
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