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Have a look at how much getting your own insurance costs, you will be surprised. Actually, health insurance is not that expensive. A couple of years ago my wif
by vfc1 8y ago
Have a look at how much getting your own insurance costs, you will be surprised.
Actually, health insurance is not that expensive. A couple of years ago my wife was out of a job and checked what it would take to have health insurance on our own.
Turns out a top-level plan for a family of 4 cost less than 200 USD a month.
Given that as a contractor we typically make a lot more than with a full time job (between 1.5 and 2 times), health insurance is not a good reason for remaining full time.
- davidgould 8y agoYou must be a younger person with a young wife and with no health issues. My wife and I are 60ish with one adult child. I have been freelancing for 15 years and health insurance is our major expense. Over that time it reached a peak of $2150 per month. Obamacare and stepping down a plan level has reduced that to about $1500 per month.
- lotsofpulp 8y agoEven in the poorest place in America, I would need to see documentation proving a gold level health insurance plan costs less than $200 per month. A silver plan for a healthy mid 20s male is $400/month in NYC. That's just for a healthy young male, the least expensive demographic to insure. AND that's for a high deductible HSA eligible plan, so out of pocket max per year is $7k for single and $13k for family.
- kthejoker2 8y agoMaybe OP meant $2000 a month?
- lotsofpulp 8y agoEven in tech, I wouldn't think that qualifies as "not that expensive" for most people.
- InfamousRece 8y agoMy high deductible insurance (me+spouse+1 kid) is $1400 per month. I'm not sure where I can get a $200 one - I'm not eligible for any subsidies.