The costs of health care continue to rise, and whether you work for yourself, getting self-employed health insurance, or whether you work for a company that offers benefits. And one way that some companies are trying to cut health care costs is by offering health care flex plans, that also allow you to use the money on vision and dental visits.
But here’s the kicker: Even though the money in health care flex plans is taken out pre-tax, most plans require you to use the money in there or lose it. So if you you have $6,000 in your health savings …read more

I’m on a bit of a health insurance kick. Yesterday I pointed out that you could get cheaper health insurance if you went online and got a quote. They usually put you in a “group” and that’s how you get it cheaper. But I was struck by this from lawmummy. It’s a post all about how insurance works. Here is what she points out about health insurance:
They base their whole existence on the notion that you will pay in more than they will pay out. This is accomplished by capricious rules and exhausting hoops that you, the person who is …read more

Not too long ago, I mentioned an interesting idea for health insurance: credits for healthy living. However, that is not a widespread plan. And with healthcare costs rising for most of us,  even if you have a job it is getting expensive. If you are self-employed, the cost of health insurance can seem insurmountable.
I am self-employed, but I have somewhat affordable health insurance. You can go to Web sites like healthinsurance.org (which I used to find mine) and ehealthinsurance.com, as well as other sites, to get quotes and compare plans before you decide to buy. This can be a huge …read more