[throwaway31338]

How do you get health insurance in that situation, our of curiosity? All the employer-sponsored plans that I am familiar with require a minimum 30 hours / wk commitment.

Being an independent contractor is awesome (it's what I did for 100% of my income from 2004 until just a couple of months ago) but the health insurance situation and fear ended up killing it.

[colinmcd]

You can get health insurance without being employed! Or check out the “healthcare cost-sharing” groups like Sedera - it’s great for freelancers.