[Hidden-tech] Getting health insurance as a freelancer

[Reva Reck]

My husband and I are both self-employed and don't have any employees. We
have a Health New England policy through HSA (Health Services
Administrators). They will put together a whole list of policy options for
you based on what you tell them you need, and then you can make comparisons
and choose. It's a difficult process. Insurance is expensive and it's really
hard to figure out what you're buying. Last year we had a Fallon policy
which seemed like a really good deal, but there were a lot of things which
sounded like they would be covered but weren't, and we had several instances
of having to call them and challenge them over denials of coverage. The
result was that any savings in monthly fees was made up for in out-of-pocket
expenses, and the time we wasted dealing with their nickel-and-diming really
made it a pretty expensive mistake. We decided to spend a a little more
monthly this year and we haven't regretted it.  Check out HAS at
www.hsainsurance.com  

BTW, of all the insurance companies we've had over the years, I've liked
Tufts best, but we can't afford them any more.

-Reva 

-----Original Message-----
From: hidden-discuss-bounces at lists.hidden-tech.net
[mailto:hidden-discuss-bounces at lists.hidden-tech.net] On Behalf Of Peter
Jaros
Sent: Thursday, January 10, 2013 3:12 PM
To: Hidden-Tech Tech
Subject: [Hidden-tech] Getting health insurance as a freelancer

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Hey, everyone.

I'm a software developer, and about a year ago I went freelance. Now
I'm looking for health insurance. I've been on COBRA, and it runs out
soon.

I've looked at mahealthconnector.org, but I wasn't too happy with what
I saw: all of the plans offered are HMOs, save one high-deductible
PPO. For my situation, I would strongly prefer a PPO, and not a
high-deductible plan.

What other options exist? My impression was that Massachusetts was
supposed to have a broad single-payer market thanks to Romney, but
that's not what I'm seeing. Are the good plans hidden somewhere?

Is there a broker I could work with? Perhaps a way to get a business
plan for a small business with two employees?

Thanks,
Peter

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