Re:Show HN: PickHealthInsurance.com
by jessedhillon on Tuesday September 13, 2011 @03:22PM
(#2993056)
Would it be worth it, or even possible, to find a few other families in similar situations and create a dummy corporation which "employs" all of your families? All of you could collectively pay for a share of the group premiums -- ironically, I think this is similar to how health insurance was originally intended to function.
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In CA at least, there are rules about a regular salary going to the insured employee.
That said: If you have a startup paying you regularly, I believe there are non-exclusionary laws preventing the insurance company from excluding employees which makes it a good avenue to pursue. I know folks that structured buyouts so that they would continued to be employed (and paid) by a shell company simply to maintain insurance.