Family of 4, I pay 1250$ for the cheapest Blue Shield CA plan. I got the plan comparison on https://www.stridehealth.com/ but the enrollment period is over already for this year, unless you qualify for an event.
Ask HN: What healthcare options exist for entrepreneurs?
11–20 of 52 posts
Re: Ask HN: What healthcare options exist for entrepreneurs?
#12We get group insurance (with BC/BS) through a local broker. One thing to have a look at: we found that the high-deductable plans were so much cheaper that we could put enough into everybody's HSA account to cover the deductible and still come out ahead. I think it's one of the best moves we ever made, and I've stress-tested the insurance pretty hard...
Re: Ask HN: What healthcare options exist for entrepreneurs?
#13I pay something like $430/month through Kaiser. My experience there is they are really good unless you need mental health stuff. I would especially recommend cancer—the views of SF from the chemo lounge are spectacular. Kaiser is their own insurer/pharmacy, and works like a mini version of single payer. If you're younger than me (I'm 43) you may find some plans with them that are cheaper. Another option is OneMedical…
Why do you say One Medical is for "wealthier people"? Outside of the $200 annual membership fee, it's no different than seeing any other physician if they are in-network for your insurance plan.
Re: Ask HN: What healthcare options exist for entrepreneurs?
#14I pay something like $430/month through Kaiser. My experience there is they are really good unless you need mental health stuff. I would especially recommend cancer—the views of SF from the chemo lounge are spectacular. Kaiser is their own insurer/pharmacy, and works like a mini version of single payer. If you're younger than me (I'm 43) you may find some plans with them that are cheaper. Another option is OneMedical…
I have Kaiser through my employer and I like it a lot. Maybe they don’t have the shiniest and best but it’s solid, simple and predictable.
Re: Ask HN: What healthcare options exist for entrepreneurs?
#15If you pay yourself little enough you can get free or subsidised healthcare through Obamacare. There are no asset tests.
Re: Ask HN: What healthcare options exist for entrepreneurs?
#16In the US, if you are under age 26, you can still be covered by your parents insurance thanks to the ACA ("Obamacare").
Re: Ask HN: What healthcare options exist for entrepreneurs?
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Re: Ask HN: What healthcare options exist for entrepreneurs?
#18I pay something like $430/month through Kaiser. My experience there is they are really good unless you need mental health stuff. I would especially recommend cancer—the views of SF from the chemo lounge are spectacular. Kaiser is their own insurer/pharmacy, and works like a mini version of single payer. If you're younger than me (I'm 43) you may find some plans with them that are cheaper. Another option is OneMedical…
Also on Kaiser... they make you jump through hoops to get consistent mental health (regular weekly therapy). If you're persistent enough (call and be very direct about the kind of care you want) they'll hook you up with Magellan Health, the company they outsource to for mental health. Through Magellan, I was given a huge array of therapists to choose from in the Bay Area. If you shop around you can find someone you click with.
Re: Ask HN: What healthcare options exist for entrepreneurs?
#19I pay something like $430/month through Kaiser. My experience there is they are really good unless you need mental health stuff. I would especially recommend cancer—the views of SF from the chemo lounge are spectacular. Kaiser is their own insurer/pharmacy, and works like a mini version of single payer. If you're younger than me (I'm 43) you may find some plans with them that are cheaper. Another option is OneMedical…
Why do you say One Medical is for "wealthier people"? Outside of the $200 annual membership fee, it's no different than seeing any other physician if they are in-network for your insurance plan.
Folks who are living paycheck-to-paycheck probably aren't going to shell out an additional $200 fee.
Re: Ask HN: What healthcare options exist for entrepreneurs?
#20Look at the MarketPlace, HealthSherpa, or ehealthinsurance. I'm not sure the rules on posting links. I'm not associated with any of the above. But whenever I'm relocating and working a contract without benefits. I use those three sites to narrow down my options.
Have you tried healthcare.gov?
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