What do you do if you’re an independent contractor with a company and you need health coverage? Well, a number of large companies have come up with the idea to create limited low-cost health benefits for part timers and contractors. The group is called the HR Policy Association, and there are 250 of the nation’s largest employers involved. The first companies have now started launching their programs and that speaks to the need to buy individual health coverage en masse. The idea is that your premium is based on your age and gender. And, people in the plan get to speak to an advice nurse before they actually go in to see a doctor. There are a number of price levels, depending on how much coverage you want. It will eventually be available in most states, and Clark hopes this kind of insurance becomes the standard way health care is distributed. Our health car system is in need of serious help right now, and we need to figure how to make it easier for people to get it. Kaiser Permanente has a system similar to this that puts people in five different tiers based on age and gender. Why are large employers doing this? It will ultimately lead to lower insurance costs for corporate America. So, it benefits you and them.