How do freelancers handle insurance/no benefits?

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have my own insurance. my medical is from oscar via freelancers union. have a SEP IRA and ROTH IRA. used to have a medical HSA but my current insurance doesn’t make sense to have a medical HSA right now.

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I self-pay insurance at the moment. It works out to be about $700 a month which isn’t cheap, but I guess neither are my rates so the whole thing probably balances out. No PTO is the worst pet though. I find it very hard to say no to a project to make sure income is optimal, sometimes definitely at the cost of my personal well-being. I’m trying to find a way to solve that as pet of this years personal development goals

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Agreed. I’ve been booked for 9 months solid, which means 9 months without a day off. But I’m always like “do I really want to pay $1,000+ just to take a day off?”

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Obamacare?

likefunny

Healthcare through marriage, then my business is a s-Corp with 401k I fund with the tax deduction. When I’ve been extra good I give myself a vacation day

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I pay to be on my partner’s health insurance plan.

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The ACA has been a life saver for me and would recommend it.

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Oooh please tell me more about this freelancers union!

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