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To: Lizzie Tudor who wrote (7754)	1/3/2003 12:24:46 AM
From: Conan	Read Replies (3) \| Respond to of 306849

Lizzie, Tech is slowly crawling back from the edge. I'm a software guy and recently I've interviewed for two real jobs and I expect an offer next week from one. Of course, neither company is in Silicon Valley and I have to take another pay cut. I think it will take years for the Valley to come back because of the excess of people there on the sidelines. Good luck! Conan

To: Lizzie Tudor who wrote (7754)	1/3/2003 11:42:48 AM
From: GraceZ	Respond to of 306849

Not quite, it's a system which depends on taking from one person and giving it to another....socialism. If you have assets you need insurance. If you don't own a house and don't have any money in the bank it's pointless to pay for insurance because Medicaid gives you better coverage. If you want to qualify for medicaid in my state you can't even own a car. Of course you can do the informal medicaid that a lot of people do who live in the city. You appear in the ER, they have to treat you regardless of your ability to pay. You'll get hounded for the money, but you just get caller ID. I've had self-employed health insurance for years and years. It has been pretty good and it's not expensive in comparison to other plans. I cover my husband because the plan his company would provide him with is more expensive and covers less even though it's provided by the same health insurance company. I screwed around with self-funded plans for a while that you could buy by joining this association or that, but I found them all to be flaky and completely unreliable. Not only that I've read a lot of news stories that showed a lot of those plans to be scams. They pay the small claims just to lull you into thinking they really are insurance companies, but if something really expensive happens you find out you didn't really have insurance. You want to be careful to go with a company that will be around a long time. Switching insurance tends to get more expensive as you get older as well as more expensive even if you stay in your plan because the people in your plan get older and sicker. As premiums rise to cover increasing costs, the well tend to look for insurance elsewhere leaving the plan to have fewer and fewer participants to spread the cost. You want a company that is going to have enough people in the plan to spread the cost as you age. This is the primary reason I have Blue Cross, they are the biggest provider in my state and because they are so big everyone accepts their payment. I can go to anyone.

To: Lizzie Tudor who wrote (7754)	1/3/2003 11:54:48 AM
From: MulhollandDrive	Read Replies (2) \| Respond to of 306849

lizzie... i know you are "technically" unemployed and earn income doing free lance work...but if you are in good health and looking for another way to shelter some of your income from taxes, you might consider an MSA.. we've had small group coverage for years and years, and i think for the first time we are going to jettison the policy....the premium increases are outrageous, especially since we are a "healthy" group i believe the msa program is a "test" program and currently limited by statute to 700,000 accounts....but the last i heard participation was quite low...barely over 200,000.. i have a feeling that may change soon. msahealthplans.com