[gaelenh]

I run a bootstrapped non-profit in NYC with two employees (myself and my wife). A bronze plan for my family on the NY marketplace is about $1,200+ month with an $8k-14k deductible. I was hoping to get something through JustWorks, but since it's really just one household in our company, we can't apply for that (requires at least 3 separate insurees).

Our combined family income makes us ineligible for subsidies, so I guess my option is to pay $14k a year for an $8k deductible with little coverage. I guess now all plans are HDHP, but with 3-5x the premium.

[cylinder]

This is why I can't be self employed. The situation is out of control. That's the rate for the small local carriers too with poor provider networks. The major carriers such as United go for $2,000/mo.

Don't forget the 30% coinsurance after you get past that deductible!

[gaelenh]

I don't understand the subsidies at all. In 2015, ACA gave people waivers (no penalty!) if the minimum insurance was more than 8.05% of household income. The minimum plan for a family in NYC on the NY Healthcare Exchange is $12,500/year. Self-employed families making less than $147,000 and more than $60,000 (I think that's where subsidies cut off) are overlooked and left without a safety net.

[sharemywin]

It's like that everywhere. family plan at my work or through exchange is like 17.5k before they pay out dime one.