Welp, I work for myself. I completely understand where you are coming from. Before 2010, we paid roughly $500 a month for a family of 4, with the high deductible plan … deductible was $6,000 a year. This is small business insurance, since both of us worked for ourselves. So, roughly $12,000 a year, if we needed to use it.

Starting 2010, because of Odumbo and Nasty Nan, less coverage, but premiums jumped to $1,400 a month, with deductible at $16,000 a year. Which amounts to $32,800 out of pocket, should we need medical care.

And, fun fact, I needed a hospital that year and our only “covered” hospital was the indigent one … where those people get seen for free. We got a different, more expensive plan the next year.

I personally think it all sux and that the government and the middle man need to get out of the way.

If you have a small business, there are companies who price out insurance rates … for no charge to you. Might be worth a look. You can get small business insurance as a husband and wife. It only requires 2 people.