With so many international contractors (possibly spread out over different countries and jurisdictions), how do you keep track of your possible tax consequences in both your own and their jurisdictions? How do you ensure you don't become liable to treat them as employees in your and their jurisdictions? Asking out of curiosity, because interested in hiring remote contractors across the globe but fearing possible tax complexity.
But you cannot deposit money into any arbitrary U.S. bank account using ACH. For every account that you want to make transfers to, you first need to sign a bunch of forms. With the European IBAN system, no permissions or forms are needed to make deposits to a new arbitrary account.
So what realistic options did self-employed have before the ACA: either pay for an expensive insurance or be uninsured? What did most typically choose?