If you’re self-employed, you’ve found some great deals: the hours are as long as you want to work, the dress code is pretty nice, and you have all the coffee you can stand. But you’ve noticed that there are a number of fringe benefits your boss can’t supply for you: sick days, holidays, overtime, expense money, and the all important health insurance. Not much can be done about most of your fringe benefits, alas. There is no money tree, and there is no time tree. But when it comes to health insurance, you can’t afford to forget about it. If … Continue reading →