4 ms·
From the post: "If you cannot afford health insurance, you cannot afford to freelance." I'd say that's true (in the US). Health insurance is just but one cost
by ereckers 14y ago
From the post: "If you cannot afford health insurance, you cannot afford to freelance."
I'd say that's true (in the US). Health insurance is just but one cost of working for yourself. Since freelancing, I've found that I've been bumping my deductible up over the years to keep up with the 15% YOY price increases, but it is what it is, "catastrophic" insurance. I'm definitely not covering acupuncture.
One thing I always wished there were was a pool for sole proprietors, which would allow you to negotiate better terms, just as if you were a large company.
It's starting to look like this might be part of ACA with the creation of state run exchanges, or at least I hope that's a possibility, so it will be interesting to see how that turns out.
- jsiarto 14y agoI always thought this was a smart idea. Lump all the single biz owners together and buy coverage as a mega-group. That makes way too much sense to be considered...
- count 14y agoWhat's wrong with this idea? I figured that's how many folks did it?
- jsiarto 14y agoIt's not possible... You have to be a business, non-profit, etc... You can't just be a bunch of random people. Even if you found a group, you'd need to put together some legal structure to make it work. If you're starting your own company, the last thing you want to worry about is starting another entity, finding a group and buying healthcare--you won't have time for real work.