[mbesto]

My wife (startup founder) is under my insurance (I'm a full time employee that gets $12k per year towards UHC healthcare). Even if she paid the same from her company (~15 employees), her deductible would be double what it is currently. If she went under her own company health insurance, we would have to pay at least an extra ~$2,000 this year out of pocket for various health related services she incurred.

From a macro lens there is definitely a huge disincentive to start a company in this country.

[tptacek]

I think a lot of 20-somethings think that they'll have the same access to health insurance they get now when they're in their 30s and starting a family.

[toomuchtodo]

Well won't that be a surprise when they see their premiums with a partner and children. I know I was certainly surprised to find I went from paying $300/month for myself to $1300/month for a family.

[tptacek]

I think they're going to be a lot more surprised when they let their insurance lapse for a few months and find out that the ACA amendments provide guaranteed issue only if you've had continuous coverage --- without continuous coverage, you can be uninsurable without first working a full-time job for a year.

Not "expensive to insure". Uninsurable, at any cost.

[toomuchtodo]

You can skip coverage for up to 3 months a year ("Short Gap" exemption). If you do this at the end of a year, you can get back in Jan 1st of the next year without penalty. You could, depending on risk level, only be insured 9 months each year to save on costs.

https://marketplace.cms.gov/technical-assistance-resources/e...

[tptacek]

That's under the current ACA. The most likely repeal/replace bill replaces the individual mandate with a far stricter continuous coverage rule.