Health insurance has been a fun ride in self-employment. First, I ponied up for a huge cost increase in order not to lose my primary care physician. A month after committing to hundreds of extra $/mo my favorite doc stops accepting the pricy insurance and I have to change docs anyway. 6 mo later the insurance company drops policies for self-employed people and I join the ranks of the uninsured. They get to keep all the premiums I’ve paid but don’t have to give any coverage in return. Neat trick!
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ACA created a lot of law that requires you to get insurance, but not a lot of law that requires insurance companies to *actually provide any services to you*.
I'd guess that I pay for ~50% of my care OOP, because the fractalized, highly-specific deductibles on my (very good!) insurance plan essentially mean that nothing is covered (they're so big that I'd have to be four of me to reach the end of them before the end of the year)
Ditto on the OOP reqs for OON doctors
@impermanen_ They are experts at it!
@impermanen_ Argh !