Health Insurance

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01/07/2018

I was wondering what innkeepers do for their health insurance ?  We are working towards purchasing a B & B this year and that is one of the many things we want to get a handle on as we figure out what we need income wise to make it work.

gillumhouse's picture
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05/22/2008

A self introduction would be nice. It helps to know a bit about you, region of where you live (specifics are not required), are you a B & B & how many rooms, - just a small intro

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01/07/2018

My Apologies.  My name is Steve and along with my wife Lisa we are aspiring innkeepers who live in southcentral Pa. at present. We are in the process of looking for our first B&B to purchase this year.

Lee2014's picture
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12/11/2014

Rymntigger wrote:

My Apologies.  My name is Steve and along with my wife Lisa we are aspiring innkeepers who live in southcentral Pa. at present. We are in the process of looking for our first B&B to purchase this year.

   Welcome neighbor!  

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gillumhouse's picture
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05/22/2008

For me it is Medicare. I just used it for the first time with my cataracts. And with luck, it will be the last time.

JimBoone's picture
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12/18/2014

gillumhouse wrote:

For me it is Medicare. 

Medicare and a supplement for us also although it gets used rather frequently.

Back when we began I was able to keep a limited version of insurance from my former employer (private insurance market didn't want us as customers), later I found an outside job that provided insurance and allowed me to purchase insurance for my wife, that also allowed me to add my outside income to the family needs and I was still available evenings and weekends to be maid, handyman and innkeeper.

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11/21/2017

Jim,

Somehow I can't picture you dressed as a maid.  Pictures or it didn't happen!  LOL   Smiling

 

JimBoone wrote:
was still available evenings and weekends to be maid, handyman and innkeeper

JimBoone's picture
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12/18/2014

MNVineyardBB wrote:

Jim,

Somehow I can't picture you dressed as a maid.  Pictures or it didn't happen!  LOL   Smiling

JimBoone wrote:
was still available evenings and weekends to be maid, handyman and innkeeper

Good morning and thank you for starting my day off with a smile, it's going to be a good day now Smiling

I'm a creature of habit and I'm afraid my uniform for most jobs is a ragged T-shirt and cut-off slacks with splotches of paint and sawdust (daughter keeps threatening to throw away my favorite stuff) as my days always seem to involve some sort of project to be completed.

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04/10/2018

I assume this depends on where you are located.  Here in France, access to the health system for most BnB owners is via the Micro Enterprise system which is a special tax and social security status. We pay 13% of turnover as social "cotisations" which includes the carte vitale (health insurance) that reimburses 70% of all medical costs.  It also includes old age pension, unemployment and other insurances.  The missing 30% of medical expenses can be covered with a mutuelle - private policy that pays the balance. It may seem quite a high cost but considering we pay no additional taxes it's not bad.

Morticia's picture
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05/22/2008

Ditto on the ACA.

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Momma Smurf's picture
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ACA

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