Earlier quoted context omitted.
What do independent plumbers have to do for healthcare for them and their families? Is there a better option than COBRA? I honestly don't know.
I had to dip into this for a few years. In the U.S., an ACA ("Obamacare") plan is $500-$2000 a month, depending on the state, with extra assistance for low incomes. There are bronze, silver, and gold plans with higher tiers decreasing copays and annual out-of-pocket maximums but significantly bumping the monthly dues. Private insurance also exists but almost universally has inferior terms (payout caps, gaps in covera…
There are a bunch of restrictions and loopholes though. I once opened an HSA and then actually had to close it because it turned out my insurance plan had *too* high of a deductible to be eligible, go figure.