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Health Insurance for the Self-Employed: Not Yet

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Health care exchanges may be the last best hope for health care insurance for the self-employed, but they are two years off at best. Stopgap options are limited.


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Quietly, barring a Supreme Court fiasco, health insurance exchanges are coming under the health care reform law; they are scheduled to debut in 2014. On Tuesday, 12 more states completed their first-stage planning processes, making them eligible for additional funding, according to the Obama administration as reported by the Wall Street Journal . This brings the total number of on-track states to 28. Not bad so far.

Unfortunately, the exchanges, state-based or run by the feds, will be too little too late for the millions of long-term unemployed workers who have responded to their dilemma by going into business for themselves. Some are gardeners, or handypersons. Some are copywriters or marketing professionals. Some paint houses. Others work as independent contractors, crunching data or numbers from their kitchen tables and bedrooms. Some launched catering businesses. Some have described their brilliant second acts right here on Open Salon. Nearly all of these businesses are sole proprietorships--personal paycheck businesses. They are job creators by creating their own jobs. The number of jobs they have already created dwarfs the number of jobs created by one-percenter millionaires and billionaires in the last 36 months.

[Read the whole article at Open Salon:


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