What you do is you use COBRA to keep the insurance you currently have and just build in the cost to your hourly rate. Companies expect top pay more per hour for

What you do is you use COBRA to keep the insurance you currently have and just build in the cost to your hourly rate. Companies expect top pay more per hour for a contractor than a salaried employee. So you are paying for your health insurance yourself, but you keep the same plan. There's still the risk of them not bringing you on at the end of the contract or terminating it early if it's not going well. But I think the upside of easier interviews and trying out a team out weighs the downside.