{ "media_type": "text", "post_content": "Does everyone buy health insurance off the exchange? I have really limited options and curious if there are any good ways to get better insurance. Can you recommend any freelance PEOs?", "post_id": "61ea8e3cab668e002c495248", "reply_count": 19, "vote_count": 5, "bowl_id": "5908c9d5f735ee00105b9fa4", "bowl_name": "WFH Freelancers", "feed_type": "bowl" }

Does everyone buy health insurance off the exchange? I have really limited options and curious if there are any good ways to get better insurance. Can you recommend any freelance PEOs?

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I get mine off the exchange. BCBS HMO. In our cases, the HMO’s are actually better than the PPO’s.


Yes they do. Agency provided healthcare is great when it comes to a PPO - you can see anyone you want. It’s radically different on the exchange - most doctors are really out of the way and not as plenty vs HMO. I’m in Chicago.

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Boat! My bad 😂

When I consulted this was always a challenge- finding affordable AND good coverage. We always ended up sticking with the bigger players. When we could no longer have a broker we went direct to BCBS. We paid more but never had any issues using it. For a ref: family plan was $2400 a month- absolute killer fiscally but traded that for peace of mind- the independents of our world are over a barrel.

I do, I have an HMO (Kaiser, west coast). I could have bought the same plan directly from Kaiser for the same price, and I’m not eligible for tax credits so it wouldn’t have made a difference where I bought it, but I opted for the marketplace. You can definitely get plans directly from insurance providers if you want, it’s just more work shopping around and the plans don’t have to have as good of coverage (the marketplace has strict guidelines) but it might be cheaper.

How do you like Kaiser? Came close to switching over to them, then decided to keep my Healthnet PPO since my doctor takes it. But definitely more pricey.

Professional organizations sometimes have health insurance plan options. Freelancers Union offers some but availability varies by what state you live in. I got health insurance off the marketplace for my family. It was well over $2000/month in NJ. I approached a few health insurance companies directly but the price wasn’t any better. I dropped it and am now on my wife’s insurance plan…she took a full time job.

How much does insurance cost for a freelancer making $200K

age, plan and zip code are the determining factors not your income.

i get my insurance through the actor’s fund which i can tap into as i am in the producers guild. have a bronze ppo with dental and vision that allows me to have an hsa account thru blue cross of california. hmo plans didn’t cover the doctors and hospitals i wanted. 2020 and 2021 i had a silver plan oscar thru the freelancers union and a delta dental plan but oscar raised premiums this year and it was difficult to get customer service on the phone. change to blue shield for this year is saving me a bit money for a better plan even thou it is bronze instead of silver. i hate our healthcare system, sorting thru options is a nightmare and costs are insane.

EmblemHealth silver plan HMO through Exchange. It’s decent and I can go to Mount Sinai.. I’m in NYC.

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