The reason I'm asking is because I'm thinking of leaving journalism and delving into the world of full-time nannying. Besides being sick to my stomach with corporate America, I hope to one day go back to school for a degree with early childhood education. I love working with kids. My only concern with this career move is losing the benefits that come with a corporate employer. Does anyone know the average monthly cost for dental, health and/or insurance? Any suggestions for insurance companies to go with?
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The premium for your health insurance when you go out on your own will vary significantly based on your age and gender. I have seen decent policys as low as $111 per month for a young male and over $800 per month for someone in their late 50's. Keep in mind, when you are going into the self employed arena - and you are shopping for health insurance, you can not look at the benefits in the same fashion as your big corporate health insurance policys. You need to look for the following: 1) minimal internal policy limitations - ie - limints on physical therapy, ambulance, in-patient hospitalization limits 2) Provider Network - make sure you get into a plan that gives you in network access to nationwide doctors 3) Rate guarantees - some carriers are offering 18 and 24 month rate guarantees 4) Get educated on Health Savings Account (HSA) qualified plans - they can save you significant premium and tax dollars 5) Pre-existing condition limitations - if you have pre-existing conditions, be sure to review any exclusions with the policy 6) Use a local broker / agent - they have the most knowledge regarding the policys that work the best in your local area. Hope this helps
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