{ "media_type": "text", "post_content": "Advice on choosing healthcare as a freelancer? Very new to this world and overwhelmed trying to find the right option. I’m 29, relatively healthy, single and no kids.", "post_id": "6079e01b404ca300211b1a7b", "reply_count": 16, "vote_count": 2, "bowl_id": "5908c9d5f735ee00105b9fa4", "bowl_name": "WFH Freelancers" }

Advice on choosing healthcare as a freelancer? Very new to this world and overwhelmed trying to find the right option. I’m 29, relatively healthy, single and no kids.

like
Posting as :
works at
You are currently posting as works at

^ sounds like a sad dating profile

likefunny

think about ways you may be able to get a plans with a group. different organizations offer insight to plans and some group discounts based on what state you are in and they are headquartered. freelancers union has a number of oscar plans and i got mine there as i knew this good organization got credit.

like

If you left a FT recently check out Cobra, it was the best and cheapest option for me

like

Agree with Director 1. Yeah.

Don’t just look at premiums and deductibles, make sure the doctors and hospitals you would want to go to are in the network. If you have a PCP, call their billing office and ask which insurance they accept and if any are better than others. Some plans keep premiums down by having very narrow networks, but it can make it difficult to find a doctor when you need one.

like

Thank you! Good to know

like

ACA marketplace based on income. Paying $0 right now.

like

Ok so, dumb question... how do you estimate your income as a freelancer to see what you qualify for? I’m currently FT (just put in my notice) and have a four month contract coming up. Do I just estimate based on what I know I’ll make between my current 4 months of salary from 2021 plus the contract gig?

Health Sherpa.

Beware of a HMO I just got my first & it’s so difficult (not Kaiser I honestly wish it was)

Related Posts

I am going to get a promotion next year and I have to chose between managing a person or picking 10 accounts in the healthcare sector to grow. In both cases I will have a target of 3-4 Million Usd. I do Healthcare consulting based in Singapore. Any views or suggestions based on experience?

like

Wanting to buy a place and looking for benchmarks. For those of you who’ve bought, what were your specs (1) salary, (2) home cost, (3) down payment, (4) mortgage type, (5) monthly principal, interest and (6) taxes and insurance.

likehelpful

Am I too old? Too old to chase a wild dream of living in a beach town? Too old to follow a hunch? Too old to sell everything and start over somewhere else? Some days I feel like I am. With parents in failing health and a grandpa that is lonely most of the time, I feel obligated to stay here. To keep living the life that “makes sense”. I’m 32 single, no kids, own my home, essentially have life by the tail. I live an hour from where I grew up. Feel like I don’t fit in with my friends anymore…

like

Any insights/advice for the recruiting process at Ribbon Health?

like

Delta rep told me my plat benefits won't start until next year?.... Doesn't sound right at all

Anyone have insight into Indexed Universal Life insurance as a tax free investment vehicle? My financial advisor is saying there is no downside risk and 5-7% return and tax free. Sounds either too good to be true, or is this how the wealthy avoid paying taxes??

likefunny

Hi All, Currently I have two offers, one in Indian NBFC for 22LPA (No other benefits) and one in Africa based fintech startup with good funding for 3500 USD per month along with offshore benefits, Variable pay and base location as India but intensive travel. Which one will be better? Role is same in both, YOE 4.

like

Max 401k or use money to invest in my cash management accounts? I am maxing out the max my company will match for 401k but should I aim for the $19500 limit or invest the rest of the cash the company doesn’t match and invest it in my investment accounts? My investment funds are more liquid but it’s using post tax dollars. Looking to buy a house in the next 1-2 years.

like

Guys who have proposed with a purchased ring- have you ever been asked to split the ring insurance and if so how did you react? What is common practice?

like

BCG fish: when do health insurance benefits kick in for new hires? Starting on day one, or after 30 days? Thanks!

like

How does the Deloitte pension work for non partners?

like

Can anyone tell me the process to obtain loan on your 401k in deloitte ?

like

Just initiated a 401K rollover for a very sweet couple, both aged 63. They both spent the last 17 or so years working at Wal Mart. Not in corporate, but in regular ol' stores.

like

Thoughts on Actuarial Analyst positions at Oliver Wyman vs. deloitte vs. large health insurance company?

like

Tax experts- what qualifies as a hardship withdrawal from your 401k? I got a over a 100k saved in my 401k but maxed out on credit due to student loans and a family situation.

like

Happy Friday! I noticed a lot of convos about health, long hours, and relationships this week. While you put yourself first this weekend, don't forget to also put yourself in others' shoes. #reflect

like

PwC fish - Does the firm allow reverse rollovers into the 401k? In other words, can you roll assets from another 401k into the PwC 401k?

like

Hello! I am stuck with a problem and need help. I've been working at a start up agency with good pay and benefits for the past 3 months. The problem is, I recently decided to move to another state for my sanity at the peril of losing this job. Upon hire, my CD informed me that the agency wishes to have mandatory in office visits about 2-3 days a week in the future. Now my q is - should i look for another job, then talk to the CD, or should i speak to them now. FYI I do wish to stay with them!

like

Thinking about joining tech. 🐠 What are the non-FAANG companies do you see the highest potential (thinking that joining FAANG today probably doesn’t provide that much upside)? From a preference standpoint, most interested in fin tech and health tech. But trying to solve for RSU potential above all

likefunny

Additional Posts

Deloitte 🐠 what’s the typical salary for a Manager in Human Capital Management/Change Management in the Boston area ?

like

So the Co-Chair of the Deloitte Black Action Council was not a Black woman but an Indian Woman who is now the Chief Diversity Officer. I feel a little duped and bamboozled. As a Black American this person does not share our history with slavery, Jim Crow, etc. I don’t think anything will come of this council. I wonder are black initiatives will become an all minority initiative. Is Black hiring going to increase. Will more blacks be considered for senior management up to partner positions

like

Thoughts on GLG? Offer in business development team. GLG not finance but need reach!! Got 24 hours to respond. I am a finance analyst but offered a job in the team and wondering how hard do they go in on sales? They said no financial targets until year 2 but I’m sceptical. I’ve never done sales before either and the job involves prospect and account mapping. I was offered the job due to my transferable skills. I will be in a small team of 4 but my role is the only business development position.

like

My sibling has an internship offer (an undergraduate student) for a satellite office of KPMG. Would anyone in the business tax division at KPMG be able to send me a message so I can ask a few questions?

like

Hey friends, does anyone have a Southwest drink voucher to share ?

like

My firm is having everyone start back to work in the office. WFH has been so great, don’t get why it has to end now.

like

What has this whole Covid-19 situation and the craziness (volatile economy, folks’ fragile mental health, social distancing phenomenon, life as a bubble etc etc...) associated with it taught you so far?

like

I work in the Human Capital space and manage projects. What is worth more - SPHR or PMP? Or do either count? Obviously want to make Director and eventually more...

like

What are your honest thoughts about gender inequality in the industry? Do you think gender has something to do with how far you go or is it just a matter of hard work?

H1B stanping question - I just got my h1b renewed, but i need to travel in december to Asia and likely the place im travelling to will not return my passport before i have to return to the US due to christmas and new years holidays. If i go to Toronto, Canada before this and try to get the stamp before asia trip can i work while im getting the stamping done? Or is that illegal? Im afraid of taking too much vacation time across both trips.

like

Has anyone interviewed for a data specialist or product development position at YipitData? Looked over Glassdoor and saw there is a substantial take home assessment. I wanted to see if anyone could verify and share their experience. Thank you!

like

HI LADIES! I realize we are going through tough times but I wanted to quickly remind you all of how blessed we are. Blessed to see another day ✨ We won’t get this day back so make it count. Take it all in and remember that your current situation is not your final destination. And if you are going through an especially tough time, rock bottom will teach you lessons that mountain tops never will. You will make it past this. 💖 Have an amazing rest of your day ladies 😊♥️

likeupliftingsmarthelpful

Number 1 Lesson of consulting - Learn to replace "Fuck Off" with "Sounds good, I'll get right on it"

like

How hard would it be to make the jump from designer to art director? For context, when applying for this job I thought I would be a designer with some ideation opportunities (there are no Junior Art Directors in our creative hierarchy). Craving for more ideation/big-thinking art direction in my next gig.

like

Will CBS be remote or in person? Trying to decide if I need to live in the city.

like

I’m in my early 70s. Hanging on to a pretty easy creative job. Any thoughts on where and what to do next?

likefunny

What is the difference between an Associate Consultant role (in MBB) vs. a Consulting/Business Analyst role (in McK/Big 4/ACN)? Would the former be a step up from the latter, or they are lateral?

like

So if Trump boots every illegal immigrant (11.1M according to Pew) and the Republicans gut 24M American's insurance, then we're screwing 2.1 Americans per illegal immigrant. #GutAmericaFirst?

like

Received an Amazon non-technical L4 offer, what can I expect for annual raises and bonus, if at all?

like

Selling a Yamaha digital piano! Includes a free 60 min intro digital lesson 🥳 DM for more info!

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal