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If you are self employeed you get the brunt of it. Kinda funny as you're trying to be responsible but you get totally worked over because you're a lone guy. I'm the same way with my small business. If I want to provide competitive coverage to a large firm it costs me over 2,000 a month per employee. I can't really make them pay more than 400 a month, and even that is pretty steep, and that means I'm paying $1,600 a month per employee in health insurance...
So I just don't offer it. Well. I offer it, but I don't contribute towards it, and let my employees make their own decisions. This also means that hiring is brutal for me because I essentially can't offer any kind of real health benefits that my employees, or I, can afford. It's almost impossible for me to compete in hiring against larger competitors who can group with better health insurance rates.
When you're self employeed and have to get it yourself, done that as well, you're even more screwed. I was turned down before for so many different plans. I have a high BMI even though I'm not obese, the chart will tell you I am. That's what I get for being barrel chested I guess. The best I could do was a plan with a $10k deductible and low lifetime caps to keep it under $1000 a month just for me (my kids are on sChip).
Anyway yeah this is a common experieince.
I've always said, after being self employeed, moving from state to state while self employeed, and owning a small business and trying to arrange health are in all those ways...
If everyone had to purchase their own health care without the help of their employer, and without being allowed to group together to negotiate better rates, we'd have true Universal Health Insurance in this country inside of a year.
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