> In the US, how do freelancers and individual consultants even work? Comparing plans is complex, but the actual purchase process is extremely easy. Not much d

> In the US, how do freelancers and individual consultants even work? Comparing plans is complex, but the actual purchase process is extremely easy. Not much different than getting home or auto insurance. "Expensive" is a relative term. I'm paying about twice as much freelance as I was an employ for comparable coverage levels. That really comes down to not having an employer cover part of the cost. After having done it for a couple years, I actually prefer non-employer insurance. We're able to go with an insurer that fits our needs (particularly with physician network coverage) without breaking the bank.