Small Business Health Insurance: Claims Data You Never See
Your broker sends the renewal. The premium is 5 to 7 percent higher. You have no claims report, no utilization summary, no diagnosis mix. You have a...
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Your broker sends the renewal. The premium is 5 to 7 percent higher. You have no claims report, no utilization summary, no diagnosis mix. You have a...
A 45-year-old freelance consultant and a 45-year-old W-2 employee can buy long-term care insurance from the same carrier. The employee often gets group...
A $700 monthly health insurance premium looks like $700. For a self-employed person, it may look more like $546 after federal income tax. A $400 health...
Contractor retirement advice tends to fixate on account types. SEP versus solo 401(k). Roth versus traditional. Contribution limits. That comparison matters...
The HSA vs FSA question has a short answer for self-employed people: an FSA is off the table. IRS Publication 969 states that self-employed individuals...
The IRS caps SEP IRA contributions for 2025 at the lesser of 25 percent of compensation or $70,000. The $70,000 number gets quoted in most...
The IRS set the 2024 Section 415(b) benefit cap at $275,000. That number gets the headlines. But the actual funding decision for a solo consultant over 50...
S corporation owners play by a different set of benefits rules than their employees. The Section 125 cafeteria plan excludes any shareholder who owns more...
Most self-employed people who open a health savings account check one box: Is my plan a high-deductible health plan? The second box is where the trouble...
Compare retirement plans for a self-employed business, and you will hear about contribution limits and tax treatment. Nobody mentions the health insurance...
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