[nickjj]

> I also guarantee he could have gotten health insurance, he just did not feel comfortable paying the roughly $1,000 to $2,000 per month it would have cost because his business pipeline was not full of work consistently.

I don't think it's abnormal not to want to pay those rates.

$1,000+ a month is absolutely insane for health insurance and at $2,000 a month you're now beyond the cost of most rent for something that you'll hopefully never need to use for decades, but more importantly you have no options. It's either pay massive fees (+ copays, etc.) due to no real competition or go without insurance. For the last few years no insurance also came with paying thousands upon thousands of dollars a year in fines too.

I am an uninsured freelance worker too for reference. But that plan definitely wouldn't work out if I had a family to insure, and then the costs are astronomical to the point where you would be in debt and have no savings unless you were absolutely crushing it.