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Ask HN: any changes in the last year to make getting insurance easier?
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7 points
by neilkod
5639 days ago
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I'm self-employed with an outrageously expensive Aetna insurance plan for my business. The premiums are increasing to a seemingly astronomical $1,650/month for my family of four. Degree of difficulty: Wife and older son(11) have some medical conditions and have typically been tough to insure. I haven't been paying too much to the Obamacare and related initiatives but I figured I'd do some research before committing to renewing. I know that there have been some changes made to allow people who were previously considered uninsurable to secure insurance. We are in Florida, I'm not sure if this matters. |
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Some states, like MA, have a "Health Connector" which is a marketplace for insurance. Unfortunately FL isn't too progressive when it comes to state funded insurance initiatives so you probably won't find much, particularly if you are in the non-poverty income bracket. The self-employed get the shaft when it comes to health insurance in the US because they lack collective bargaining power against the insurers. .
I'm not too well versed in what is going to become of "Obamacare" as nothing major has been rolled out. Some of your more immediate options are:
- Consider looking into a p/t gig that includes health insurance. - Have spouse look into p/t gig (Municipal/Town Job!) that includes insurance. This is what many tradesmen in US do. - Look into joining a trade group or professional group for discounted rate - Look into state funded insurance marketplace.