tailieunhanh - Health Insurance for Entrepreneurs A Buyer’s Guide for Self-employed and Small Business Owners

States seeking to operate a State-based Exchange or electing to participate in a State Partnership Exchange must submit a complete Exchange Blueprint no later than 30 business days prior to the required Approval date of January 1 (November 16, 2012 for plan year 2014). A State may submit its Declaration Letter at any time prior to this deadline. If a State’s Declaration Letter is received more than 20 business days prior to the submission of its Blueprint, the State may request an Exchange Application consultation with CMS regarding preparation of its Application for Approval as a State-based. | Health Insurance for Entrepreneurs A Buyer s Guide for Self-employed and Small Business Owners Health Insurance for Self-employed and Small Business Owners Introduction Building a successful business is hard work. Finding the affordable quality health insurance you need doesn t have to be. Whether you re self-employed and working out of your garage or the owner of a small business with multiple employees you face special challenges when it comes to finding and getting health coverage. 2010 health reform legislation provides you with special opportunities too. The purpose of this buyer s guide is to help answer your questions assess your needs and provide you with the right tools to find the best health insurance solution for you. Self-employed Persons Going into business for yourself can be a big gamble. Don t raise the stakes any higher by doing it uninsured. You may be on a tight budget. You may think health insurance is a luxury you can t afford. In fact the primary purpose of health insurance is to protect your financial future against crippling medical costs that may arise from unexpected illness or hospitalization. The truth is if you re a freelancer consultant or sole proprietor you can t afford to go without coverage. Small Business Owners Whether you ve got two employees or 25 you know that employer-sponsored health insurance is one of the benefits workers value most. Offering a group health insurance plan can help you hire and retain the best workers as well as provide valuable protection for yourself and your family. And as a result of health reform there are special tax incentives available from 2010-2013 for small businesses that provide group health insurance for their employees. eHealth Insurance Health Insurance for Self-employed and Small Business Owners How to Use This Guide Small Business Different people have different health insurance needs and those needs can change over time. The needs of self-employed persons may .