Growth Strategies

Where can we find a health plan for an independent worker who will be working in China?

min read
Opinions expressed by Entrepreneur contributors are their own.
Well, first of all, it is not precisely clear to me whether you are going to "hire" this person as a consultant or if, in fact, he will be a W-9 (1099) independent consultant providing professional services to your company.

If he will be an employee, the first thing to do is ask your current employee medical insurance broker what it can do to help you with this quest. If the broker writes for a variety of carriers, it should be relatively easy for the broker to find you a policy for the consultant.

Another viable source may be to log onto While I have not personally used this company's services, it appears to be a good fit for what you are seeking.

If your "young contractor" is really supposed to be a W-9 (1099) independent contractor, you should not necessarily provide him with health coverage, as most independent contractors are required to provide their own insurance coverage in order to meet the test of legitimately being independent contractors. From Section Two of the IRS Publication 15-A, which explains the difference between employees and independent contractors, one of the criteria for an independent contractor is "Whether or not the business provides the worker with employee-type benefits, such as insurance, pension plan, vacation pay, or sick pay." If the company does, the individual may not be deemed an independent contractor under the IRS rules.

In this case, you might help him find a carrier/policy and adjust how much you are paying him in order to cover his increased costs of doing business by assuming responsibility for this contractual relationship with you.

More from Entrepreneur

One-on-one online sessions with our experts can help you start a business, grow your business, build your brand, fundraise and more.
Book Your Session

In as little as seven months, the Entrepreneur Authors program will turn your ideas and expertise into a professionally presented book.
Apply Now

Whether you are launching or growing a business, we have all the business tools you need to take your business to the next level, in one place.
Enroll Now

Latest on Entrepreneur

My Queue

There are no Videos in your queue.

Click on the Add to next to any video to save to your queue.

There are no Articles in your queue.

Click on the Add to next to any article to save to your queue.

There are no Podcasts in your queue.

Click on the Add to next to any podcast episode to save to your queue.

You're not following any authors.

Click the Follow button on any author page to keep up with the latest content from your favorite authors.