AllFreelanceWork.com is an 8 year old Freelance Projects Board offering freelancers Freelance Jobs Search, Free Portfolios,& articles. AllFreelanceWork is also a great small business resource for starting a home business & looking for home business opportunities (no scams). AllFreelanceWork is filled with freelance resources, including small business startup tips, self-employment articles, how to start a freelance or small home business, articles about self-employed health insurance offers, promoting & marketing your small business, finding small business & freelance business opportunites for graphic designers, web designers, writers, screenwriters, programmers,artists, editors, & other careers & professions.

	Search Career Schools Zip Code: Subject: Digital & Media Arts Fashion Design Interior Design Photography Graphic Design Animation Web Design Business Culinary Arts Education Healthcare Law & Justice Psychology Technology Technicians Degree: - Select All Degrees - Associate's Bachelor's Master's Doctoral Certificates Diplomas Coursework Online Campus Both

Health Insurance for the Self-Employed, Freelancers, Small Business Owners, Home Based Businesses, & Entrepreneurs - It is The Hardest Part of Being Self-Employed

There is a National Crisis in Health Insurance for Freelancers and Sole Proprietors

Health insurance is consistently cited as a major concern for those who leave their corporate job to venture into their own business. The national crisis in health coverage is hitting the small business owners especially hard. Many small businesses have dropped coverage or reduced it in the past three years because of rising rates, which went up 13 percent last year, according to a study by the Kaiser Family Foundation, a nonprofit organization monitoring health care issues. About 41 million people in the nation are uninsured, with 60 percent, or 24 million, small-business employees and their families, according to the study.

For the first 18 months after you leave your employer you may elect to continue to receive coverage in the employer's group plan at your expense. The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires employers to allow departing workers to buy health insurance through the employer's group plan.

However, the cost of the monthly premiums for COBRA can come as quite a surprise if you're accustomed to you employer picking up most of your health insurance tab via pretax paycheck deductions. COBRA coverage for a family can run $500 a month, and upwards of $200 a month for an individual.Depending on which State you live in and the type of coverage you want, you may find that joining a short term plan could prove less expensive than continuing your current insurance under COBRA:Shop around, but some sites that offer temporary health insurance are:

COBRA Insurance http://www.cobrainsurance.net/

Fortis Short Term Major Medical http://www.temporaryinsuranceplan.com/

Inselect http://www.inselect.com/

Instant Individual and Family Medical Insurance Quotes - Quotesmith http://www.quotesmith.com/cgi/indmed/qsindmedindex

Health Insurance Direct http://www.consumerbenefits.net/cobra-insurance.htm

A piece of good news is that starting in 2003, the self-employed health insurance deduction is increased to 100%, from the 70% that was deductible in 2002. As a result if you work as a consultant, freelance worker, and other self-employed individual you will be allowed to deduct from your taxes all of your health insurance premiums. The self-employed health insurance deduction is especially valuable because it is an above the line deduction for Adjusted Gross Income (AGI). This means that you can take advantage of this deduction even if you do not you itemize your deductions on your tax return.

By Daniel Lamaute of www.InvestSafe.com Daniel is a retirement plans specialist and owner of Lamaute Capital, an investment brokerage firm.

Please suggest a site here

Freelance Billing Help

Graphic Design Portal

Adobe Photoshop Tutorials

sister sites :

Freelance Self-Employed Jobs Directory

Graphics Software Information

All Work At Home Ideas

Tutorials Directory

All Freelance Work is a freelance jobboard, small business community, consulting business article base, and freelance self-employment business information zone (and also great for people who have home-based businesses). All Freelance Work has been around since 2000 and is the home to over 170,000 freelancers. With 100s of freelance articles and 30,000 registered employers of freelancers, we have helped 1000 of contracted independent professionals find the perfect consulting jobs. Spend some time on this freelance site and see why so many freelancers keep coming back to All Freelance Work day after day. We welcome all self-employed professionals and we welcome all employers looking to hire our independent professionals. (Employers Can Search or Browse for Portfolios from the bottom or top of this page).

CONTACT US ------ ADVERTISERS ------ FAQ ------ ABOUT US ------ PRIVACY POLICY ------ TERMS OF USELinks -----> folios--Adobe Photoshop Tutorials--All Work At Home Ideas--Freelance Jobs --Graphic Designers Resources--All Advertising Online--Artists Helping Children--Blue Sfear--ContractedWork--Family Travel Destinations -- Schools and Learning -- Find Dentists --Web Design Resources -- Graphics Software & Photoshop Tutorials -- Web Design -- Web Designers -- Web Design Portfolio

ARE YOU LOOKING FOR A FREELANCER - BROWSE THROUGH OUR FREELANCER'S PORTFOLIOS BELOW:

Freelance Graphic Designers Portfolios -- Freelance Animators Portfolios -- Freelance Multimedia Artists Portfolios -- Flash Artists Portfolios -- CAD Professionals Portfolios -- Freelance Copyeditors Portfolios -- Proofreaders Portfolios -- Creative Direction Portfolios -- Freelance Creative Directors Portfolios -- Fashion Designers Portfolios -- Film / Video / Audio Artists Portfolios -- Game Artists Portfolios -- Freelance Desktop Publishers DTP Galleries -- Illustrator and Illustration Galleries -- Free-lance Cartoonists Galleries -- Free-lance Industrial Designers Galleries -- Free-lance Interior Designers Galleries -- Marketing and Promotional Designers Galleries -- Muralists Galleries -- Faux Finishers Galleries -- Free-lance Photographers Galleries -- Powerpoint Artists Galleries -- Free-lance Presentation Artists Galleries -- Free-lance Translators Galleries -- Free-lance Web Designers Galleries -- Writers Galleries -- Journalists Galleries -- Contracted Web Developers Galleries -- Database Developers Galleries -- Contracted Web Copywriters -- Web Animators Portfolios -- Contracted IT Testers -- Contracted Tech Trainers -- Programmers Portfolios -- Contracted IT Networkers --Database Programmers -- Contracted Tech Writers -- System Administrators and Admins --Engineers -- Contracted Data Processors -- Contracted CPAs -- Contracted Accountants -- Financial Planners -- Contracted Bookkeepers -- Contracted Lawyers and Attorneys -- Financial Analyzers -- Investors -- Contracted Legal Assistants -- Contracted Paralegals -- Contracted Managers and Strategists -- Contracted Analysts -- Contracted Brand Strategists -- Contracted Customer Service Agents -- Contracted Business Development -- Self-Employed Advertisement Managers -- Self-Employed Marketers -- Self-Employed Sales -- Media Buyers -- Self-Employed Web Promoters -- Self-Employed Public Relations Agents -- Self-Employed Architects -- Self-Employed Engineers -- Event Planners -- Self-Employed Musicians -- Self-Employed Politics Advisors -- Recruiters -- Self-Employed Scientists -- Self-Employed Coaches and Trainers -- Entertainers -- Self-Employed Fitness -- HR Human Resources -- Self-Employed Real Estate Agents -- Self-Employed Retailers -- Self-Employed Trainers -- Self-Employed Data Administrators -- Self-Employed Transcriptionists -- Virtual Assistants