Browsing Tag

everything you need to know about freelancing and health insurance


Everything You Need to Know About Freelancing and Health Insurance


Health insurance.

One of the largest difficulties freelancers face.

Can I afford health insurance for myself? Which provider should I get? Do I qualify for Freelancer’s Union insurance? How high or low should my deductible be?  Should I get a HSA plan? Do I have to get health insurance before Obamacare goes into effect?

It’s a mental maze that can keep you up at night.

When I went freelance almost two years ago, I PROMISED myself I would get health insurance no matter what. And I did. A broker found me a Blue Cross and Blue Shield HSA (Health Savings Account) plan for $110/month with a high deductible and no co-pays. I knew it was essentially “catastrophic insurance”, but I was happy to at least have something. After a short period of time my plan went up for no reason and the financial burden of paying for basic doctor visits became too much. When a pain in my right side popped up last winter, simple blood tests ended up costing me over $500. I was sad and frustrated, and, (more…)