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Old 08-11-2017, 10:28 AM   #21
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I agree that one of the perils of ACA subsidies is less financial flexibility. In our case ACA credits were less valuable than the tax savings on Roth conversions so luckily I don't need to wade thoough ACA constraints.

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Old 08-11-2017, 10:43 AM   #22
Give me a museum and I'll fill it. (Picasso)
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Join Date: Feb 2004
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Basically you meet the IRS definition of an employee. Since your client is your only client you, for all practical purposes, are stuck. What you can do is accept this reality but continually look to change your business model so that you are no longer dependent on one client. Form a LLC so that you have a corporate umbrella to work under.

My DH worked as a contractor doing project management. He usually had more than one client at a time and he certainly had several different clients over a year. He also worked for his own PC. If you want to continue as an independent contractor you need to work smart.

Duck bjorn.
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