Re:HP to cut 25-30k jobs
by gscott on Wednesday September 16, 2015 @01:50AM
(#10224896)
Years ago I did a website for a person who sold health insurance for businesses. It turns out that a business is defined as 2 people and can come in most any form. With business healthcare they accept anyone even if you have pre-existing conditions. It gets around trying to buy health insurance directly. Cost is pretty reasonable.
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There are no pre-existing condition exclusions in private insurance through obamacare. That was the biggest change it brought and is the reason for the mandate (so you don't wait to get sick and then take advantage of the lack of exclusions).
Great advice - also, there are a few states that allow a one person business to qualify for group coverage.
I forget all of them, but I think the following states still allow "groups of one" with respect to a business acquiring health insurance:
Connecticut, Delaware, Mississippi, North Carolina
My apologies if I'm wrong on any of these, it's just off the top of my head since the last time I looked into it.
Re:HP to cut 25-30k jobs
by drzaiusapelord on Wednesday September 16, 2015 @09:39AM
(#10226462)
A two person business won't be able to negotiate a group rate or decent benefits package very well. At this point you're better off looking at these ACA exchanges. They've done the negotiation for you with these larger carriers.