[DLHRNUSAF]

I have been interested in being IC Nurse, but I am worried about health insurence for me and my family and what about when I cannot work. At my present job if hopitalized the insurance pays 100% of stay less deductable and about 75-80% for medication. I cannnot aford to pay 80% of a in patient hospital stay of high co pays to the office or out pt surgey? Where do you get started?

[WyomingRN]

First, there are certain trade offs between being independent and employed. Do you want freedom and control of your life or not.

Health insurance - what health insurance? Many employer are cutting back on this expenses.

As an independent, I charge (and get) $60 an hour. Most are getting $55-$60 depending on location and specialty. If you cannot afford insurance making independent wages, you probably should be an employee.