Coverage types · 7 min read
Buying your own coverage after a W-2 plan: what changes and what to prioritise.
Employer plans hide most of the decision. On your own, you choose the network, the deductible and the balance between monthly cost and cost at the point of care. That is more work, but it also means the plan can be shaped around how you actually use care.
For most self-employed people the decisive factors are provider access, prescription coverage, and how bad a bad year could get. Start with the out-of-pocket maximum, confirm your providers, then decide how much predictability you want to buy each month.
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