I went to healthcare . gov and bought a cheap policy when I left my w-2 job. For my age and health it was very cheap, I do not really go to the doctor thought so its only for a serious medical issue for me.
As you can see, everyone is different, so are you, your family members, your health status, etc. Difficult to predict based on the information and of course, keep it private!
Best advice I can give you is to talk to your Primary Doctor (the person with at least the M.D. designation behind the name) and/or someone you can trust with experience on this.
Not all companies or plans are available in a specific area. Keep that in mind.
@Joe S. -- I may be wrong, but health insurance seems to be a very regional thing. In NC, the local BCBS had a bit of a stranglehold on self-employed insurance until ACA came long. Depending on your income/tax situation, some of the ACA plans can be very affordable. It's kind of like how banks treat the self-employed -- almost won't bother to talk with you, but if you had a W2 gig, even flipping burgers, suddenly you are worthy of their time.
@ Paul Vail, ditto on the income math and hugely different pricing.
Relieved that our rental income/deductions would lead us to the holy grail of favorarble formulas for reduced BCBS (FL) premiums now from 1785./month to 197./month !! We had been 1099 independent contractors with our small business, but closed the business during the pandemic and now find that it does not pay to work for that big premium. Our HSA plan still has a 8k deductible for each "plan member" , but the actuaries make certain we never meet that limit.
Good luck to all who need to wrestle the insurance beast, but wrestle we must. As a licensed health care provider, I can report from first hand knowledge that the reduced quality of life that comes with avoidance of medical care among the uninsured is totally miserable.
As a more detailed answer, I live in NC, and options are very limited as BCBS have monopoly. Obamacare killed us with costs. I tried to convince my wife about joining a plan where expenses are shared, but she would not consider it. So, we have the most basic plan available, and pay $1,700 per month for a family of 4 healthy individuals. In addition, my deductible is $13,000, so I pay about $34,000 per year before benefits kick in. Thanks obama, great plan.
@Joe S. -- I may be wrong, but health insurance seems to be a very regional thing. In NC, the local BCBS had a bit of a stranglehold on self-employed insurance until ACA came long. Depending on your income/tax situation, some of the ACA plans can be very affordable. It's kind of like how banks treat the self-employed -- almost won't bother to talk with you, but if you had a W2 gig, even flipping burgers, suddenly you are worthy of their time.
What does affordable mean? When I looked at ACA a few years ago it was very high.....how much do you pay for what deductible?
We use MediShare. It's for those who "don't smoke, or chew or run with them that do"
It is about 1/5 th the cost of Blue Cross. But, you have to run a pretty clean lifestyle.
Have you ever had to actually use them as far as getting reimbursed etc.? I just read a ton of reviews and they were not sweet.
I've not needed them. We use mostly naturopathic (traditional) non-pharma, solutions. I'd like to see the reviews though. Please send me a DM with the link.