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

5 points·forgingahead··8 comments

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.

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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.

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

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

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

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

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.

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

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

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