This is something I've been looking into for the last few weeks for my 3 person NYC based startup. All of the options through the exchanges/brokers are laughabl

This is something I've been looking into for the last few weeks for my 3 person NYC based startup. All of the options through the exchanges/brokers are laughable. If you are young and healthy, a catastrophic plan might be your best bet. I was paying ~$125 a month for Oscar last year. Coverage only kicked in after ~$6600, but I was just looking for something that covered me from an IRS/penalty perspective. The premium went up ~33%, but sadly that is still my best bet without a company plan. We just signed up for JustWorks, a PEO, primarily because their healthcare plans are much cheaper than going direct to brokers as a 3 person company. They require 2 people though so if you are solo I don't think this is an option for you.