How to Get Health Insurance When Self-Employed

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  • Опубліковано 3 гру 2024

КОМЕНТАРІ • 101

  • @noahcollin9532
    @noahcollin9532 2 роки тому +60

    The American health "system" is a disgrace. The existing system needs to be completely overhauled.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Noah, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

    • @noahcollin9532
      @noahcollin9532 2 роки тому +6

      @@getlowppo no thank you

    • @peggycantrell1262
      @peggycantrell1262 3 місяці тому

      Lifeinsurance

    • @dchambers986
      @dchambers986 6 днів тому

      Free market is the only way.

    • @noahcollin9532
      @noahcollin9532 6 днів тому

      @dchambers986 that's just patently false. It's being done other ways presently, it's been done other ways before. And the current US system isn't the "free market" anyway: insurance is negotiated as groups (unions, corporations), plans, treatments, and hospitals are subsidized, and the price structure of different surgeries, drugs, and hospitalizations is publicly stated one way and collected in a different opaque way. We need more transparency in medical billing and we're not getting that. As an aggregate, we spend much more per capita on medicine than many other countries because of the opacity of our system.

  • @JakeManson-fv3nu
    @JakeManson-fv3nu 8 місяців тому +3

    I am an independent agent who is licensed in 40 states. I can go over all these options that Rachel goes over depending on what’s available in your state! Let me know if you need coverage!!

  • @juliekeeney1538
    @juliekeeney1538 2 роки тому +22

    1700 a month? Thought I was doing all right being self employed until you dropped that number. I’d have to make at least twice what I do to afford that and still be able to have a life that consisted of doing more than working to pay my insurance.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Julie, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

    • @off_lineofficial
      @off_lineofficial 18 днів тому

      So wouldn't going without health insurance and paying off your medical bills if something were to happen, be cheaper? Lol

  • @stephaniek5433
    @stephaniek5433 2 роки тому +24

    what are your thoughts when the average family is $1700.00 a month plus a $12,000 deductible. That's $32,000 before coverage- how is this affordable for a self-employed family?

    • @getlowppo
      @getlowppo 2 роки тому +1

      Hey Stephanie, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

    • @ryanprejean6919
      @ryanprejean6919 2 роки тому +1

      I’m reaching out to you Stephen… in hopes of finding something affordable for me and my husband.. if not then just my husband. I’m fairly young and healthy but my husband needs major surgery on his neck and we’re self employed

    • @user-he7sh3nd5t
      @user-he7sh3nd5t Рік тому +1

      How is that affordable for ANYONE?!!’

  • @properdoe3414
    @properdoe3414 2 роки тому +41

    Noone can afford Cobra!!!! It’s astronomically expensive. Rachel I suggest you look deeper into this before you suggest this as an option for the average middle class person/family. It is not an option for anyone it’s an absolute joke.

    • @jonathanarras1281
      @jonathanarras1281 2 роки тому

      They are republicans so you need to be responsible for yourself and if you go to the government for healthcare you are a scourge on our society

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Proper, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

    • @jhonatanmogollon2453
      @jhonatanmogollon2453 9 місяців тому +1

      You can always get insurance through the marketplace many people do it

    • @phillipvaughn3669
      @phillipvaughn3669 7 місяців тому

      Did you even listen to what she said about Cobra in her video?

    • @patrickm6012
      @patrickm6012 7 днів тому

      She was talking about it as an option for the short term and she did say it is an expensive option. Let’s say you are currently dealing with a specialized medical issue that needs to be tended to, you may want to keep the current plan your on for the short term.

  • @mahendragoyal8313
    @mahendragoyal8313 2 роки тому +14

    438$ 🤔 I pay 821₹ (11$) a month for a 10 million ₹ ( $1,33,000)comprehensive health insurance policy. With this money I can have a brain surgery, a heart transplant and can be Treated for cancer in the best hospital in my country i.e. India. And before someone say, it's India, top indian hospitals are as good as any European/american hospitals. I guess American healthcare system as they say is truly broken.

    • @kathryntubridypakenham2743
      @kathryntubridypakenham2743 2 роки тому

      Yeah that’s nuts, I don’t even both with health insurance in Canada because everything I need is covered through our universal system

  • @jennifermiller1508
    @jennifermiller1508 2 роки тому +6

    I'm self-employed and use Christian Healthcare Ministries.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Jennifer, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

    • @hokie9910
      @hokie9910 Місяць тому

      I am looking at CHM as I may become self employed down the road. Are you happy with CHM and have you had to utilize their services?

  • @AC-tz3pk
    @AC-tz3pk Рік тому +1

    Started my LLC a few weeks ago and just signed up for private insurance for 2024. It’s not HSA-eligible because it’s a PPO, but the deductible is $7,500. This whole HSA concept was started to help with high deductibles, so I don’t see why it matters whether it’s a PPO/HDHP/HMO/whatever. My deductible is HIGH, I should be allowed to contribute to an HSA.

  • @tearosita8869
    @tearosita8869 2 роки тому +7

    Been thinking about this a lot recently, and google wasn’t helping. Thank you!

    • @stevenporter863
      @stevenporter863 2 роки тому +1

      Not having insurance (or it being materially more expensive) is just one of the drawbacks of not working for a boss and a company. Nothing wrong either way but saying the knife cuts both ways - good with the bad.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Tea, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @nancydickson7699
    @nancydickson7699 2 роки тому +24

    *WITH THE CURRENT DIP,I SERIOUSLY NEED SUGGESTION ON HOW TO DIVERSITY MY PORTFOLIO* 😪

    • @jeffmatt7086
      @jeffmatt7086 2 роки тому

      Starting early is the best way of getting ahead to build wealth,investing remains the priority. Forex trading has plenty of opportunities to earn a decent payout,with the right skills and proper understanding of how the market works

    • @jeffmatt7086
      @jeffmatt7086 2 роки тому

      Talking about being successful! I know am blessed because if not I wouldn't have met someone who is as spectacular as expert Mrs Blossom Jefferson

    • @maxfade7106
      @maxfade7106 2 роки тому

      This is really helpful for my situation,please how can I get intouch with her?

    • @dennissamantha1097
      @dennissamantha1097 2 роки тому

      Demanding for her contact details? 👇

    • @dennissamantha1097
      @dennissamantha1097 2 роки тому

      米国+𝟭92941𝟵𝟭𝟯𝟭𝟲米国

  • @AndrewKevin-o2x
    @AndrewKevin-o2x Рік тому

    Found your post interesting to watch. I can't wait to see your new videos soon. Good Luck with the upcoming update. This UA-cam channel is really very informative and effective.

  • @jonhannula2022
    @jonhannula2022 2 роки тому +2

    I'm so glad that I found this video, been praying for a wise decision as a single guy on long-term missions with YWAM . Thankful for honest information and realistic pricing, did not feel embarrassed but was able to start moving forward. Thank you Rachel for sharing. I have been listing to your dad, for over 8 years now!

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Jon, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @AislingBast
    @AislingBast 7 місяців тому

    Thank you a lot for this video. This is very interesting and informative. Keep posting like those amazing videos, this is awesome.

  • @MR3DDev
    @MR3DDev 2 роки тому +2

    This is why I am waiting to become a citizen to go full freelance, you can't access the marketplace as a permanent resident.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Dev, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @tylerbarnes209
    @tylerbarnes209 2 роки тому +13

    Move to a country that actually valves it’s citizens?

  • @cmg2143
    @cmg2143 4 місяці тому

    This video was informative. Thank you,

  • @andylee9973
    @andylee9973 5 місяців тому

    Hi,
    Can I deduct my health insurance premiums with Cover California from my S Corporation payroll taxes?

  • @CarolMcCormick-k8b
    @CarolMcCormick-k8b Рік тому

    Great information! Thank you for breaking all this down.

  • @lauravan661
    @lauravan661 2 роки тому +2

    Hi Rachel can you give me your thoughts on drop shipping as a side hustle? I was trying to find more info on it, but there is not a ton.

  • @rachelmelendez9255
    @rachelmelendez9255 2 роки тому +1

    Yes!!!! Thank you!!!!

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Rachel, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @tegamicheal3222
    @tegamicheal3222 2 роки тому +15

    ⚠️ *Stop* *wasting* *time* *and* *money* *on things that doesn't matter, invest it so you can have multiple streams of income*

    • @BIG_DREAM-pd6gb
      @BIG_DREAM-pd6gb 2 роки тому

      This season has been really great I’ve been making massive returns on my binary investment all thanks to my expert Mike Rodney

    • @winnerkent9491
      @winnerkent9491 2 роки тому

      I also trade with Mike Rodney, his trade strategies helped me earn $18,500 after a successful investment of $2,500.

    • @mikerodney5581
      @mikerodney5581 2 роки тому

      Having a strategy that ensures profit is the best you can do and that's not for novice, lost over $12k trading on my own

    • @ronaldchapman7379
      @ronaldchapman7379 2 роки тому

      Having a strategy that ensures profit is the best you can do and that's not for novice, lost over $12k trading on my own

    • @bobbrown4998
      @bobbrown4998 2 роки тому

      My weekly earnings from his trade strategies are mind blowing🤑🤑

  • @ryanderrick2870
    @ryanderrick2870 2 роки тому +1

    good info!

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Ryan, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @7Tcfisher
    @7Tcfisher 2 роки тому +2

    You can also go with someone like myself a Health insurance agent that specializes in individuals/families/self employed/ small business owners. If you're relatively healthy and can be approved for these plans they offer low to no deductibles, nationwide PPO coverage that are tax deductible. Cheaper better and less of a headache in general.

  • @ThaoTrangPhotography
    @ThaoTrangPhotography 2 роки тому +2

    Rachel, can you please do more videos explaining about how health insurance work? Some terminology to be simplified please. Thankssss

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Trang, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @jonathanarras1281
    @jonathanarras1281 2 роки тому +6

    Hey thank god for Obamacare

    • @lukeav6097
      @lukeav6097 2 роки тому

      she couldn'r say Obamacare

    • @sarahshanahan2222
      @sarahshanahan2222 2 роки тому

      Interesting.. dave was furious when this program was created

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Jonathan, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @davidevans3175
    @davidevans3175 2 роки тому +2

    A deeper dive into this video, it appears to be a commercial for Christian Healthcare Ministries and Ramsey Trusted Providers. Don't have confidence this is legitimate impartial info from an experienced pro.

    • @getlowppo
      @getlowppo 2 роки тому

      Hey David, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @GrahamBradley-mn8nt
    @GrahamBradley-mn8nt 7 місяців тому

    wow!

  • @listerinr
    @listerinr 2 роки тому +13

    If you don't like having the government involved in your life, imagine having a religious group like christian ministries determining what healthcare costs they will cover.

    • @stevenporter863
      @stevenporter863 2 роки тому +3

      Agreed, but that is what the options are someone chooses the independent contractor, etc route. Nothing wrong but it is part of the deal.

    • @kathryntubridypakenham2743
      @kathryntubridypakenham2743 2 роки тому +5

      To me their slogan of “Christians sharing healthcare costs” just makes me think well why not share it with everyone by having universal healthcare? Universal is such a blessing

    • @listerinr
      @listerinr 2 роки тому +1

      @@stevenporter863 I agree, but this "Christian" group is going to base what they cover on their personal religious beliefs regardless of the medical need.

    • @stevenporter863
      @stevenporter863 2 роки тому +1

      @@listerinr True. The Christian Ministry plan just feels and sounds like a cult (although it isn't)😏

    • @terryhollinsworth6634
      @terryhollinsworth6634 2 роки тому +1

      I like Obamacare it sets the standard

  • @jacobchandter3434
    @jacobchandter3434 2 роки тому +1

    wow

    • @getlowppo
      @getlowppo 2 роки тому

      Hey Jacob, I'm Stephen. Hopefully you don't mind me reaching out. I saw your comment - There are new plans released in the state that save upwards of 30% from Marketplace policies that aren't tailored to your income. Were you in need of assistance?

  • @peteswenson6504
    @peteswenson6504 3 місяці тому

    dawg, this aint it.

  • @unnamedchannel1237
    @unnamedchannel1237 2 роки тому

    She is attractive but kinda feel sorry for her husband cause it would be kind of like kissing half of dave Ramsey