[RHSeeger]

If you're a contractor w/o insurance, you're doing it wrong. You should be setting rates so that you can afford insurance.

Health insurance, business insurance, vacation time, holiday time, sick time, equipment, etc. All of these things go into the calculations for your rates.

[officemonkey]

I did that when I was a contractor. The CEO wouldn't sign my contract because I would end up "making" more than he did in salary.

So I had to cut my hours. I took the 10 free hours/week as an opportunity to hunt for additional work.