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Self Employed- How much are youpaying for Health Insurance??

Discussion in 'Business Operations' started by cvcook, Feb 3, 2019.

  1. cvcook

    cvcook LawnSite Member
    Messages: 245

    I didn't know where to post this, So I figured I'd ask since I'm on here & mowing equipment mostly
    hort101 likes this.
  2. Matthews Lawn Care

    Matthews Lawn Care LawnSite Gold Member
    Messages: 3,231

    I’ve gotten quotes from $300-$500 per month for a family of 3. My wife’s insurance through her employer doesn’t end until May when she goes PT, so won’t know for sure until then.
    hort101 likes this.
  3. weeze

    weeze LawnSite Fanatic
    Messages: 17,394

    $80 a month for just me. you can get help in the marketplace. full price for me without the marketplace i would be paying over $400 a month which is more than my house payment. no thanks. :laugh:

    the amount you pay is based on the amount of money you make and how many people are being insured. the more you make and the more people the more it will cost. other factors like the cost of living in your area may factor in as well.
    That Guy Gary, sjessen and Charles like this.
  4. zraffz

    zraffz LawnSite Senior Member
    Messages: 452

    I need to move there when I retire so i can live like a king :laugh:

    Thank God my full time job pays the majority of my health benefits because it is literally half of my salary.
    weeze and Jack Hammer like this.
  5. JFGLN

    JFGLN LawnSite Silver Member
    Messages: 2,528

    I'm paying $1100 a month for the 2 of us. Nothing fancy either, the bronze package.
  6. TPendagast

    TPendagast LawnSite Fanatic
    Messages: 17,627

    You’re getting swindled
    You should look outside the market place if that’s youre out of pocket

    The bronze pack barely covers anything
    You’re paying $12k a year for the privilege of paying $15k before you get any actual insurance
  7. Charles

    Charles Moderator, Friend, Angel
    Messages: 11,804

    Ya 1100 for 2 doesnt sound right for subsidized health care.
    Doc8406 likes this.
  8. wbw

    wbw LawnSite Fanatic
    Messages: 6,413

    Try buying it when it isn't subsidized.
    oqueoque and zlandman like this.
  9. jbturf

    jbturf LawnSite Bronze Member
    Messages: 1,561

    in MA, self employed like myself, can buy health insurance thru
    something called health connector probably like the marketplace
    or aca like you guys mentioned. caution, how it work is price is
    ex. $350 month per person for basic coverage, and they give you
    atc(advanvce tax credit) for ex. say $200 per month and you pay balance per month of $150. then at tax time, you must repay the atc, which I was blind sided with the first year
  10. Charles

    Charles Moderator, Friend, Angel
    Messages: 11,804

    I would have to go live in a box on the street. Would be less stressful. So not a bad idea:laugh:. I had it for 20 years before it was subsidized. Went up in price every year or so

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