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Comment Re:When I became self-employed (Score 1) 1197

I believe the concept of "pre-existing condition" only comes into play when changing providers. Since her diagnosis occurred with our current provider, she's covered for that diagnosis (she still gets regular (and expensive) screenings) as well as future health issues. Also, disability insurance should be considered in addition to health insurance. It isn't horribly expensive and the younger you start the policy, the less expensive it will be.

Comment When I became self-employed (Score 2, Insightful) 1197

I got an individual plan from the same provider that my company had been with. It was really pretty simple. Not cheap, but simple.

I'm damned glad that I did, too. My wife was diagnosed with breast cancer a couple of years later (she's fine now). We would have been wiped out if not for insurance.
Education

US Colleges Say Hiring US Students a Bad Deal 490

theodp writes "Many US colleges and universities have notices posted on their websites informing US companies that they're tax chumps if they hire students who are US citizens. 'In fact, a company may save money by hiring international students because the majority of them are exempt from Social Security (FICA) and Medicare tax requirements,' advises the taxpayer-supported University of Pittsburgh (pdf) as it makes the case against hiring its own US students. You'll find identical pitches made by the University of Delaware, the University of Cincinnati, Kansas State University, the University of Southern California, the University of Wisconsin, Iowa State University, and other public colleges and universities. The same message is also echoed by private schools, such as John Hopkins University, Brown University, Rollins College and Loyola University Chicago."

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