Gail Liberman and Alan Lavine on Love, Marriage and Money

Hydra: I have major medical with Bluecross, Fai. It costs me $200 a month just for myself.
GailAlan: We suspect you might be able to find a group plan somewhere through an insurance agent.
GailAlan: A lot of trade organizations, for example, have special low-cost group rates.
Fai34: I would like to be able to set something up somehow for the women here who are divorced. Some kind of group effort.
GailAlan: Fai34, what kind of business are you in?
GailAlan: Do you work for someone else? Are you self-employed?
Fai34: I run a small business out of my home. I am self-employed. I have gone through the government and talked to my state rep even on the phone.
GailAlan: Fai34, if you're self-employed, check with your state insurance department. There might be an insurance pool specially for self-employed people.
Fai34: I didn't think of that one.
GailAlan: We have our own business. Al was able to get insurance on a small business alliance plan. It's generally lower-cost.
Fai34: There should be some form of low-cost insurance out there form single and divorced moms the government will help those who don't want to work, but not those who are trying to make a go of it.
GailAlan: Fai34, agreed. Health insurance is a major national problem. It's even tougher for divorced moms with kids. We desperately need national health insurance.
Fai34: I agree, GailAlan.
GailAlan: You might try to incorporate your business as a subchapter S corporation. Once you have a corporation, you might be eligible for additional health insurance options. Of course, this all varies by geographic area, so you need to check it out where you live.

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