Health insurance for your independent, self-employed, freelance future_
You’re in the right place if… you’ve been wanting to make your side hustle your full time hustle but haven’t been able to because you need the corporate health insurance.
It doesn’t have to be that way. You don’t have to put it off forever.
Let’s find out together how you can best protect yourself and your family, maybe even for less of your paycheck than that ominous “Your income may be too high to qualify for savings” Exchange message may have led you to believe.
PS: Who else needs to be in on this decision? A spouse? They’re welcome on the call or thread as well!
Sample Packages
For: The mother of dragons, princesses, and astronauts; breadwinner extraordinaire.
- A Direct Primary Care membership so you can see your doctor whenever you or your kids need to, with no copays, plus message your doctor and get your doctor instead of whoever’s on call at a telemedicine shop
- Income protection in case you’re injured and can’t work
- Accident insurance on or off the job, like a Worker’s Comp for freelancers–except without, y’know, being limited to doctors who take Worker’s Comp
- A health debit card that’ll double the money you put in over about three years, as you save for the kids’ orthodontia your dental insurance won’t cover
- A health plan, of course
For: The Digital Nomad Adventurer.
The girl in the airport has crutches propped against the back of her wheelchair, skirt swirling around her temporary cast. She’s occupying the middle of the aisle outside the arrival gate, shameless, parting the crowd, and she’s got this luminous smile on her lips and divine light in her eyes that says whatever happened in that faraway place, it was worth it. And she’s going to be just fine.
- A really good travel insurance policy, for the time you get COVID in Bali, or the worst flu of your life in Santorini
- An accident policy that travels, just in case you break your leg learning to snowboard in the Alps
- Some critical illness coverage, because travel policies fail if you get hospitalized for any real length of time while you’re in the States, or diagnosed with anything that’ll keep you here for treatment
For: The Day Man.
Walks heavily, fights like lightning. Stands like he can handle himself–and everyone else. Old aches don’t slow him down too much; they’re just a little hidden sports tape, an interesting story, sometimes an excuse for the cane that’s more than it seems.
- An open network health plan for seeing that one sports medicine physical therapist who used to treat the Longhorns and now “takes no insurance”–unless you know the tricks
- Unlimited virtual care anytime, anywhere, $0 copay, so you can message or video visit your doctor with no copay when you know you should go to the doctor but can’t make the time
- Accident and Critical Illness coverage to help you pay for all the non-medical expenses that happen when you’re paying to get better
- Add a Disability policy, in case you’re sick or injured and can’t provide for your family for a while–take it from me, a weekend warrior athlete who suddenly became disabled at 33
For: Broke, fabulous up-and-comers.
A stripped-back budget plan to run light like a Dallara racecar until you can really get your business off the ground and pay yourself employee-caliber benefits (with an HRA-alike and sweet, sweet disability income protection)
- An ACA Exchange plan or health indemnity, depending on your ACA subsidy, what network your doctor is or isn’t in, and your odds of needing certain kinds of care
- Accident policy (not much more expensive than a hardcover book, protects against specific medical expenses that affect 1 in 7 Americans–and helps you pay your deductible and that other 10%-60% of your medical costs that health insurance leaves you on the hook for)
For: Gendershifting, self-optimizing, transhumanist power users.
Needs to replace mobility or accessibility equipment every few years–or have one big treatment in the future, like hormone therapy (and/)or surgery.
- Healthcare debit card that doubles your money every 3 years, just in time for an upgrade–or a refitting for comfort
- I know, pre-existing condition exclusions chaining most of us to the Exchange are terrible, but we’ll pick the best Exchange plan for you, together