If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
One of the biggest risks is not having the comfort of affordable health insurance benefits. Self employed health insurance is easy to find and can be purchased as an individual or family health plan.Many people who leave an employer are unsure about their benefits so they turn to COBRA. Coverage through COBRA is always a good option for those with pre-existing conditions that need to be insured. The downside to COBRA is that it is only temporary, usually 18 months. However, you are responsible to pay 100% of the cost as your former employer will no longer need to contribute. Which brings up another issue, cost! Can you afford to pay twice or three times the amount you are used to for the same health coverage?If you are like most people, the answer is No. Your best option is to buy an individual or family health insurance plan. As long as you and your family are in good health, it's simply a matter of finding a policy that fits within your needs and budget.Self Employed Health PlansThere are several self employed health coverage choices, which include:
- PPO Plans - Allows you the freedom to choose your own medical providers i.e. Doctors, Hospitals etc. If you want to see a specialist, there is no referral needed, you can just go!
- HMO Plans - Create networks of doctors, hospitals, clinics, specialists, and other health care providers. These plans traditionally offer comprehensive coverage at a predetermined price or co-pay.
- HSA Plans (Health Savings Account) - A tax-free savings account where you can save money in a Bank Account to pay for medical expenses (except monthly premiums)