I'm a self employed consultant in NH. Things may be different in other states so treat this as a data point. For a 2 person, 50+ year old couple, our bronze policy premium is ~$800/mo I think.
The big difference between an employee health plan and going it on your own is the very high deducible ($6K+, double that for a family). You get a break on prescriptions and a once a year physical is included but for everything else you're paying out of pocket for your health care unless you get very sick.
On a related note, you absolutely need to charge enough to cover the extra cost or you are going to make less than if you worked for a company that pays your health insurance.
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I'm a self employed consultant in NH. Things may be different in other states so treat this as a data point. For a 2 person, 50+ year old couple, our bronze policy premium is ~$800/mo I think.
The big difference between an employee health plan and going it on your own is the very high deducible ($6K+, double that for a family). You get a break on prescriptions and a once a year physical is included but for everything else you're paying out of pocket for your health care unless you get very sick.
https://www.healthpocket.com/healthcare-research/infostat/20...
On a related note, you absolutely need to charge enough to cover the extra cost or you are going to make less than if you worked for a company that pays your health insurance.