Here is an interesting one. I was denied health insurance under a group plan by Tufts Health Plan of Massachusetts on the basis that my activities were not a legitimate business since I am not "transacting commerce with third parties", according to them. Apparently a Schedule C and D did not impress them, nor an offer to speak with my accountant. The Small Business Services bureau are happy to accept me as a business so maybe another HMO would be an option - any suggestions/other experiences? Thanks in advance. - RCM.