“How do you handle health insurance as a self-employed person?” is one of the most frequent questions I get asked. And frankly, it sucks that is such a stressful situation and common question (for Americans).
Pre-marriage (and therefore access to good health insurance), I used Oscar and since I was under 30 with no chronic ailments, I could spend around $170 per month for its version of the catastrophic plan. Then it was a lot of 🤞🏻 hoping nothing major would go wrong.
I also purchased a simple dental insurance plan through Humana. A lot of folks don’t think about debt, but that’s a way to get majorly screwed! I also had a larger risk of something going wrong with my teeth because, fun fact, I have two baby teeth with no permanent teeth underneath and once they crack I’ll need major oral surgery to get fake ones.
It’s scary that so many of us are just a health crisis away from major financial disaster, which is why insurance really does matter.

#BrokeMillennial #insurance #healthcare #healthinsurance #debt #GYFLT #LUYM #selfemployed #freelance #journey #money #millennials #finances #personalfinance #debtfreejourney #debtfreecommunity #Twitter #Tweet

Queens, New York



  • @jurnak24 13 November, 2019

    If you are tired of paying high premiums for insurance you barely use, send me a direct message. I’d be happy to give you a free assessment and get you in the best position possible!!

  • @john.glocke 13 November, 2019

    No need to find a husband with good insurance. If you are healthy there are other options that provide AFFORDABLE coverage for healthy individuals. DM me for a free quote

  • @pshealth_ 12 November, 2019

    If you’re interested in good health coverage, follow me and schedule an appointment so we can get you covered

  • @insurancewithscott 6 November, 2019

    Don’t settle or improvise on your health insurance. If you don’t qualify for marketplace, or not interested in short term plans. Let me do the work for you. Takes 5 minutes to get all your options and quotes. Call text or dm me

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  • @curiousaboutgreatfinances 8 September, 2019

    Ouch good health insurance is so important!

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  • @gotpurehealth 17 August, 2019

    Thankfully there are a few great alternatives to health insurance where you'll much better care for far less cost. Direct Primary Care, Telemedicine, Medical Cost Sharing memberships (I belong to Sedera), GoodRx... as examples.

  • @misadventures_midlife_marketer 15 August, 2019

    Great blog! People need to hear advice like this! Things that aren’t taught in school 🙌🏼

  • @savvyhistory 14 August, 2019

    “I hope you find a man with great health insurance,” said the least progressive country ever .🤣 Congrats to you! I’ve gone through similar moments.

  • @cardbunny43 14 August, 2019

    Health Insurance costs are ridiculous...we pay $1390 a month (self employed) for two adults with dental included and we still spend several thousand a year on RX copays !

  • @pluviophilemama 14 August, 2019

    We are in the process of changing career and buying a business and I am keeping my job because the insurance is good. Otherwise I’d be out so fast!!!

  • @camialot 14 August, 2019

    Now you got that sweet teacher health plan

  • @stefanieoconnell 14 August, 2019

    Had this exact convo with my dentist. Also, you totally made the case for getting married before 30 and your premium 3x’s 😆

  • @cooley_tyler 14 August, 2019

    Just got my wife on my vision and dental 👍 first time we’ve both had dental insurance since we’ve been together...for 6 years

  • @farmwife_ish 14 August, 2019

    Are you familiar with Christian Healthcare Ministries? I have a family of 5 and we contribute $280 a month. It’s covered prenatal and birth of my youngest and 2 surgeries.

  • @__onmywaytohappiness_ 14 August, 2019

    Omg I LITERALLY just told my fiancé I’m going to go to the eye doctor for the first time after I get on his insurance 😂😂😂 I’ve been thinking it but only voiced it today like WHAT

  • @livtompkins 14 August, 2019

    Ugh relevant af this week. Leaving my job for grad school and thankfully can go back on my dad's insurance for one more year, but if I didn't have that option I'd be bankrupting myself for COBRA. Even better is that I just got the claim for an urgent care trip (extreme chest pain from what turned out to be one of my chronic back spasms) and I owe $698!!!! Like good lord, the state of our healthcare, and I'm in what's considered to be a really good situation.

  • @k8er8 14 August, 2019

    😮 as a Canadian it is so hard to imagine how terrifying that reality is.... Even with employer plans it sounds that it can still be a myriad of redtape and fight for your rights or get done over 😑!

  • @j3ssicak3lly 14 August, 2019

    Omg that’s so true!!!!

  • @aja.marsh 14 August, 2019

    Ugh. And even when you have insurance it still is a hassle. Bae is constantly on the rampage about how we shouldn’t have to pay for a doctor visit if when you go they can’t do anything to help you. And how they can’t tell you how much it’s going to cost *forsure* before you go to the appointment. And he has decent insurance!

    Also, #teambabytooth in the house! I have one baby tooth that is the amusement of my dental professionals. Hangin there lil’ buddy!

  • @taylor.g.simpson 14 August, 2019

    Thissssss is so true!!! Just went through the whole messed up system this week trying to get health insurance for my husband and myself as we’re both self employed. I would say it’s the single worst part of not working a corporate job, but we still think, in the end, it’s worth the stress to be able to keep our own schedules and fulfill our dreams. We all need to talk about this more openly because it’s extremely confusing and stressful! Thanks for sharing your experience 🤗

  • @megs8904 14 August, 2019

    Even here in Canada, if you dont have benefits, everything costs a fortune if you have an illness. I didnt go to the dentist for 7 years because I couldnt afford for them to tell me I had a cavity 😂 (I didnt end up having one lol)