This is something that is coming down the pike with the changes the current administration has made for "association health plans". They solve some micro proble

This is something that is coming down the pike with the changes the current administration has made for "association health plans". They solve some micro problems (healthy self-employed people will be able to buy cheap group health insurance without being part of a traditional employer group) while also making the overall problem much worse (the individual exchanges become a de-facto high risk dumping ground and get way more expensive). This is a problem for high income self-employed people with preexisting conditions. They probably won't be able to buy into an association health plan and they won't get premium subsidies from the government because they make too much, which means their premiums will be a ridiculous percentage of their income. I switched from self-employed contracting to full time W2 with my biggest client back in December. The biggest reason is because they offered to pay for very good small group health insurance.