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Thread: Camming as an employee/getting insurance

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    Default Camming as an employee/getting insurance

    I hate being a contractor and dealing with my own taxes/having to settle for awful insurance, and I’ve been seriously thinking about starting a business that employs camgirls. It would work like a studio, where the business would take 5%, except in return you’d be an actual employee.
    The business would handle your taxes just like every other employer, you’d no longer be a contractor, and you’d get good insurance because of group rates.
    The “downside” would be that you’d have to make a consistent amount of money in order for the insurance cost to be covered. From the math that I’m doing, it would work if the business took a 5% cut and you made at least $5,000/month (or around $1,200/week). That’s for really good insurance. Basic insurance would only need about $700/week. It’s a lot to ask for, but it’d be your “real job”.
    What do you all think? Would you want to be employed and get benefits? Or would it be too much commitment to have to be consistent in your camming? Do you guys want better insurance, or are you good with the basic stuff you can get with private insurance plans?

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    God/dess audritwo's Avatar
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    Default Re: Camming as an employee/getting insurance

    Or you can cam on your own and find affordable kick ass grand daddy of them all insurance like I did. My husband and I pay $540 a month. We have no copay and I haven't had a to pay a dime yet. Dental included! Also low deductible! <3<3<3
    Last edited by audritwo; 05-27-2015 at 07:54 AM.





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    Default Re: Camming as an employee/getting insurance

    I have that wonderful obamacare!.. I picked the cheapest plan to try out.. it was 99 cents a month for me and my son! .. now I know why.. the co pays are high and some prescriptions they don't pay for.. and everything else.. whew.. glad I am not sick!... but so far I have gotten a taste of it.. uggh.. I went to the doctor's express.. $50 co pay, Went to the doc.. 25 each co pay.. going for labwork.. hmm how much is that?? they want me to also do an echocardiogram.. 2 of them.. for me and my son.. lol.. hmm I might have to re think that one til another time.. so yea cheap plan high out of pocket costs..lol...

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    Default Re: Camming as an employee/getting insurance

    Or move to Canada or Europe and live in bliss.

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    Default Re: Camming as an employee/getting insurance

    Quote Originally Posted by DeepThoughts View Post
    Or move to Canada or Europe and live in bliss.
    The Dream!





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    Default Re: Camming as an employee/getting insurance

    This gets asked all the time. I don't think many girls in the tax bracket you are mentioning are interested.

    https://discord.gg/uj2YTKV <-- online chat group for camgirls, clipgirls, and strippers! (No men allowed.)

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    Default Re: Camming as an employee/getting insurance

    Quote Originally Posted by DeepThoughts View Post
    Or move to Canada or Europe and live in bliss.
    Canada isn't all bliss with insurance - damn outsiders they have no clue .

    Your plan to think you can open a studio and make cam models employees wouldn't work because the cost of having employees is way more then 5%.
    Stripperweb is closing! Join me over at WeCamgirls

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    Default Re: Camming as an employee/getting insurance

    Quote Originally Posted by DeepThoughts View Post
    Or move to Canada or Europe and live in bliss.
    As for my country which is in Europe; that we have an welfare state (is that the correct term?) doesnt mean we dont pay for insurance one way or another http://www.taxpolicycenter.org/brief...ernational.cfm

    http://money.cnn.com/interactive/pf/...x-rate/?iid=EL


    Europe my country:
    Taxes
    scale 1 € 0 t/m € 19.822 36,50%
    scale 2 € 19.822 t/m € 33.589 42%
    sale 3 € 33.589 t/m € 57.585 42%
    scale 4 € 57.585 of meer 52,00%
    Come over and live in bliss
    You can have everything in life you want, if you will just help enough other people get what they want - Zig Ziglar

    "Be thankful for the troubles of your job. They provide about half your income Robert R. Updegraff


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    Default Re: Camming as an employee/getting insurance

    Yea on youtube I was watching a guys cancer page who interviews people who beat cancer through natural alternatives and she said in England it would take them 5 days in the hospital to drain her lung.. she went to a different country and it took them 20 minutes.. so I get it!

    Quote Originally Posted by minniesoporno View Post
    Canada isn't all bliss with insurance - damn outsiders they have no clue .

    Your plan to think you can open a studio and make cam models employees wouldn't work because the cost of having employees is way more then 5%.

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    Default Re: Camming as an employee/getting insurance

    Quote Originally Posted by IvyRose View Post
    As for my country which is in Europe; that we have an welfare state (is that the correct term?) doesnt mean we dont pay for insurance one way or another http://www.taxpolicycenter.org/brief...ernational.cfm

    http://money.cnn.com/interactive/pf/...x-rate/?iid=EL


    Europe my country:
    Taxes
    scale 1 € 0 t/m € 19.822 36,50%
    scale 2 € 19.822 t/m € 33.589 42%
    sale 3 € 33.589 t/m € 57.585 42%
    scale 4 € 57.585 of meer 52,00%
    Come over and live in bliss
    Exactly. I always think it's funny when people say to move out of the US for something more amazing. I've heard Canadian horror stories about their health insurance. NO THANKS.

    But IvyRose is exactly right, even if it's "free".... it's NEVER actually free.

    OP your best best is to wait for the next open enrollment period for Obamacare. Which by the way is also not free, even if you end up not having to pay anything. My Obamacare plan is the sliver tier and it's $150/mo. and it's pretty good insurance with Blue Cross.

    The cost of employing people would be MUCH MUCH higher. Because guess what? If you employ people you're then having to provide insurance to them in order to have it yourself on an employer plan because insurance companies require you to have at least a certain amount of employees to get group employer coverage. And you also pay part of their employee taxes as their employer.

    Not to mention, trying to find girls that will make decent amounts of money for your potential business in the camming industry as it currently is..... is a long shot. A very, very long shot.
    xoxo ~ Sarah




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    Default Re: Camming as an employee/getting insurance

    you are missing a huge piece of the puzzle / being an employer you are required to pay into unemployment insurance for each employee - you are required to MATCH social aecurity withholding for each employee -you also have the additional time spent on bookkeeping to manage all of that - 5% would not be worth it - that is why small businesses often struggle

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  19. #12
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    Default Re: Camming as an employee/getting insurance

    Your plan to think you can open a studio and make cam models employees wouldn't work because the cost of having employees is way more then 5%.
    being an employer you are required to pay into unemployment insurance for each employee - you are required to MATCH social aecurity withholding for each employee -you also have the additional time spent on bookkeeping to manage all of that - 5% would not be worth it - that is why small businesses often struggle
    Indeed for the theoretical $5,000 per month camgirl you mentioned, ballpark costs to you the employer would be as follows ...

    Employer's share 7.65% social security / medicare tax = $383 per month

    for any employees whom you allow to work more than 28 hours per week, you the employer would also have to pay ...

    'new employer' 4% unemployment insurance premium = $200 per month

    'new employer' 3.3% disability insurance premium = $165 per month

    So without discussing ACA compliant health insurance related costs / options / penalties, as a 'new employer' you're already looking at spending $748 per month per camgirl if they are allowed to work more than 28 hours per week. $748/5000 = 15%. And that doesn't count the accounting costs of withholding and paying estimated income taxes to the IRS ( and state tax agency ) for each 'employee' camgirl, processing paychecks, filing 1099's for every camgirl, etc.

    The only really viable option for such a business would be to establish a hard limit of 28 hours of camming time maximum per week so your 'employee' camgirls retain part time status which exempts you the employer from having to pay for unemployment, disability, and potentially ACA compliant health insurance. Of course, being limited to 28 hours per week and receiving no benefits isn't likely to attract camgirls either !

    Also, even if you take on all of the above, if the camgirls are your 'employees' you are potentially legally responsible ( at least in part ) for their actions ... meaning that you'll probably have to require camgirls to undergo background checks etc., and think long and hard before hiring any camgirls with questionable backgrounds. To pick a wild example, say one of your 'employee' camgirls elects to expand her cam customer interchanges beyond the virtual world into 'personal' contact pay for play, and gets busted as a result. This potentially places you the 'employer' at risk of being hit with a 'promoting prostitution' charge.
    Last edited by Melonie; 05-27-2015 at 12:42 PM.

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    Default Re: Camming as an employee/getting insurance

    I found great insurance on ehealthinsurance for $218/month. It's real insurance - not just catastrophic. And that's what I pay for private insurance...it isn't subsidized or anything. I couldn't believe it!

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    Default Re: Camming as an employee/getting insurance

    ^^^ the difference in cost is probably attributable to the fact that private health insurers are able to set their rates based on actual health risks ( or lack thereof ). Being young and healthy translates into much lower statistical average health care costs ... thus much lower premiums, provided that unlike public health exchange ACA insurance the young and healthy insurance buyers aren't forced to pay more for their health insurance premiums to cross-subsidize the premiums charged to older, sicker Americans.

    I'd check the 'fine print' on your esurance policy though. If it isn't 100% ACA compliant coverage, you may also be hit with an ACA penalty tax equal to 2% of your gross income for 2015 !!!

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    Default Re: Camming as an employee/getting insurance

    Quote Originally Posted by Melonie View Post
    ^^^ the difference in cost is probably attributable to the fact that private health insurers are able to set their rates based on actual health risks ( or lack thereof ). Being young and healthy translates into much lower statistical average health care costs ... thus much lower premiums, provided that unlike public health exchange ACA insurance the young and healthy insurance buyers aren't forced to pay more for their health insurance premiums to cross-subsidize the premiums charged to older, sicker Americans.

    I'd check the 'fine print' on your esurance policy though. If it isn't 100% ACA compliant coverage, you may also be hit with an ACA penalty tax equal to 2% of your gross income for 2015 !!!
    Absolutely. I just mentioned it as a resource worth checking. I thought my best option would be $400/month catastrophic insurance (which is basically worthless unless you break a leg or chop off your arm), and was amazed to find insurance for $200/month that covers free preventive care, has a $1500 deductible, incredibly low copays even for specialty visits, and $15 prescriptions.

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