[QUOTE=Dangerosa]
You want to avoid ever needing to self insure, as well. A good friend of mine has a hemophiliac husband, and when he was self employed, insurance was really expensive. He has a different job now with paid insurance.
[/QUOTE]
My old boss had a hemophilliac son. He could not buy, from any company, for any price, insurance for his son. My boss was self-employed and had to have MediCal from the state just for the one boy, before he hired me and was able to get group coverage.