Currently getting health insurance for my wife and me through my employer and plan to transition into freelance/consulting. I'll have to start paying for insurance and was curious what other freelancers on HN are using, what monthly costs are like, etc.
I am especially curious what freelancers in the NYC area are doing.
Thanks!
I had 3 options:
1. Obama Care - I qualified for a $16 subsidy...
2. Individual plan from a health care provider in state
3. Health Share plan (think Credit union for health care)
Obama care cost 2x as much as an individual plan, and almost 3x as much as a health share plan, so even after the subsidy, this was not an option.
Health share plan was very affordable, however it only worked with the health care providers on the east side of the state(I live on the west), it had a low yearly deductible, much lower then the individual High deductible HMO, however it had a 20% copay for all health services, including routine physicals and checkups.
Individual Plan from an instate health care plan costs slightly more each month, but all routine check ups, generic brand pharmaceuticals proscribe from my doctor, and any specialist (Chiropractor, Knee Doctor, etc) visits are 100% covered IF I am referred by my primary care physician.
I went with an individual plan for about $140/m and $28/m for dental coverage.
A political side note: this same exact coverage would have only cost me $84/m before 2014 when Obama care went into play. (edit: Health Care cost, not Heath + Dental)