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Ask HN: Health insurance plans for startups?
What plans do people in startups usually go with? Do people go without health insurance sometimes if they feel they are healthy?
- bobf 16y agoI'm not in a startup currently, but the individual coverage I can purchase is better than what my employer offers. I'm paying ~$140/mo for a HDHCP PPO with United Healthcare. It has a $1900/yearly deductible, and I am putting an extra $220/mo into an HSA. This provides: 1) relatively little cost when healthy, with a maximum healthcare cost of $1900/year deductible+$140/mo payments; 2) tax deductions & savings via the HSA, which also helps in reducing other insurance expenses (since HSA funds can be spent on dental/vision/OTC medicine, separate dental/vision insurance isn't a necessity).