Ask HN: As founders/unemployed folks, what do you do for health insurance?

https://news.ycombinator.com/item?id=2851224

by forgingahead • 15 years ago

5 8 15 years ago

news.ycombinator.com

Hey everyone, just curious about what people do for health insurance (if at all) in the US if you're just starting something new and don't have the structure in place for a company health plan yet.

Is there a plan that you'd recommend, do you go off your parents (if you're under 26), etc.

jimlast• 15 years ago

We don't have enough people to warrant group coverage, so I've always just paid for a health plan for my wife and kids. I'm healthy, so I don't see the need in paying several hundred $ per month on myself, when my costs are no where near that amount.

tnorthcutt2• 15 years ago

I would strongly suggest looking into a high deductible HSA plan to protect yourself from a (financially) catastrophic medical event.

forgingahead• 15 years ago

Do you have one you'd recommend? I'm thinking about doing that.

tnorthcutt2• 15 years ago

I have an individual plan (as does my wife and our son). They cost us around $450/month total.

tirrellp• 15 years ago

I have a high deductible health plan that I couple with a HSA program. It costs about $400/month for full family with dental.

keeptrying• 15 years ago

www.enetinusrance.com . I found that there are $80 plans (yes HSA ones) that you could buy in California.

In New York you'll end up paying 400+ for a single person.

Google for a "health insurace agent" in your state. They get a commision from your premium so they are free to use for the end user. Get them to od the research.

All said and done CA was much cheaper.

petervandijck• 15 years ago

Getting someone who gets a commission to do your research doesn't sound like a good idea :)

elangoc• 15 years ago

This thread might help: http://news.ycombinator.com/item?id=2247560

Ask HN: As founders/unemployed folks, what do you do for health insurance?

Related Stories