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mary.poppins (3530)

mary.poppins
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My personal theory is that Java is a fraud perpetrated by Sun to stimulate hardware sales. "What? Too slow? Tends to eat up all of swap? You obviously need our new E20599000!"

Journal of mary.poppins (3530)

Friday June 25, 2004
12:24 AM

Health ins. for self-employed geeks

[ #19488 ]

I'm a self-employed geek living in the US.

Any advice as to how to go about getting health insurance? I'm thinking a
high-deductible "major medical" type plan, with infrequent routine stuff
out-of-pocket. I'm young and healthy, with no family to worry about.

The ACM and IEEE each have group deals with insurance companies. Anyone had
experiences with them, or with some similar deal?

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  • I was using something from Working Today [workingtoday.com] when I was contracting. It seemed expensive to me, but people tell me it's cheaper than most of the others.
  • If by some chance you live in Minnesota, and you can't get private insurance, you should check out Minnesota Comprehensive Health Association [mchamn.com]. It's a state-mandated nonprofit which provides health insurance to those who are turned down for private insurance. Their rates are about 10% higher than comparable private insurance, which isn't cheap, but it could be worse. Other states may have similar plans.
  • When I lived in Morgan Hill (South Silicon Valley), insurance was available through the Chamber of Commerce.
  • Unfortunately, there are no easy answers. There are lots of parameters to work out, besides the rates and coverage (which are complicated enough in themselves). Whether a high-deductible plan will work for you depends on how often you think you'll visit the doctor, what your tax bracket is, and whether your coverage includes your family.

    I opted for a fairly traditional HMO plan from Kaiser Permanente [kaiserpermanente.org] mainly because I'm familiar with them, so I know how to work the system; in particular, my children have a