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From Charlie with love.

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LA or remote, seeking retouching opportunities.
This is great! Glad someone did this
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I did New York State health marketplace and got Healthfirst and it sucked. But then the company I freelanced at offered health benefits after 3 months of employment and luckily the gig lasted a year and it was better than health first
Why was it awful, generally speaking?
The best you can do is find an insurance broker in your state who knows all the options inside and out to guide you.
Unfortunately, the insurance companies stick it to freelancers. We can’t form our own group to do a better deal, you need to be incorporated so we’d have to form a company. The producers guild doesn’t work for advertising.
I also always do PPO. The system is terrible and needs an overhaul for sure. Good luck!