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I've been either self employed, or worked for a very small company for 25+ years, and never had reasonable access to insurance.
With the covid era subsidies, we finally had insurance for the first time for the last few years.
Between the policy doubling in price, and the loss of subsidies we would have been paying way almost $2000 a month, so now we don't have insurance again.
I'm self employed. I haven't had health care in nearly 7 years. It's idiotic for me to pay 700$ a month for something I rarely if ever need. It would be nice to have for the occasional use, but it's far cheaper to pay cash then bother with the scam.
Ironically, insurance companies are shooting themselves in the foot by alienating people like you. If they had a reasonable cost option, healthy folks would be more likely to go, "Eh, it's worth having the coverage just in case." But when they make it this absurd, they're limiting their customers to those more likely to depend on insurance, i.e. those most likely to file expensive claims and/or hit their deductible.
But hey, that's the kind of thing that happens when you can't see beyond short-term profits. Late stage capitalism at its finest.
There is also the misconception that the penalty still exists.
What penalty?
There is a penalty for a good minute that if you didn't have health insurance when you filed your taxes they apply to penalty towards your taxes because you weren't paying your fair share of everyone else's health issues.
Well in some states that's still a thing. In RI which I just left that God forsaken shit hole 2 years ago if you don't have health insurance coverage for the whole year you pay 800$ or 2% of what you made that year, whichever is GREATER.
Damn that's like almost 3% of your income if you make near minimum wage.
Yep! RI is one of those states that there ain't a shot in hell ur gonna survive on min wage anyways. Cheapest apts are 1800+, if ur on minimum wage and still want to eat on a 40 hour week you have multiple room mates. I still have friends in mass that are paying 2/3rds or more of my mortgage for a ROOM. So glad I left there, not that shits all that much better in other states but at least I'm building equity now 🤷
It's honestly starting to look like your better off without insurance. When the hospital kicks you the bill, pay 20 a month max so they can't kick it to collections and ruin hr credit and just do 5-20 a month untill you croak. Fuck em theyll never get paid in full this way but u don't have to financially ruin yourself in the process.