"Is the above due to the possibility of something happening to me and then he'd have to cover his own insurance? As I said, the difference would only be about $25 of going it on his name vs. adding him to my policy." Partially. Since you are employed, and can put your husband on your insurance, the difference at present is indeed small. If you were to leave the work force and no longer had that option, you will find the rates for an individual trying to get health insurance are much higher. So his being an independent contractor serves to commit you to continuing to work even if your husband's employment actually makes enough work for both of you. The extra FICO can indeed be a factor that swings the decision. I've been happy with my decision to go back to being an employee. Less freedom in some respects, but I'm also accumulating a pension--which would never occur as an independant contractor, and there are also the little matters of sick time and vacation days, that don't appear in your calculations. Best wishes, Chris
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