Kaiser is their own insurer/pharmacy, and works like a mini version of single payer. If you're younger than me (I'm 43) you may find some plans with them that are cheaper.
Another option is OneMedical, which is kind of boutique health care for wealthier people, but lets you do a lot more online than most medical services and may be worth a look. https://www.onemedical.com
However, to call it a true concierge practice would be a joke, in my opinion. I've never had the money for one (10k+ per year fee), but a friend of mine did have one of these, and at least in his case they were able to cure a serious back problem of his through cutting edge and non-invasive therapies. I wouldn't expect to find anything close to that at One Medical.
Still would say the One Medical membership fee ($200) is worth it if you can find a decent doctor there and if you're not happy with what you currently have.
Umm...probably rephrase.
Also, sole-proprietorships and S-corps, LLC or not, are considered pass through and all company income is considered personal income as far as the IRS is concerned. There's no such thing as not paying yourself in this context to drive down your income.
ACA is fully based on projected income for the year. Previous year's tax returns are one way of substantiating your projected income. But not required. If you are living off of savings and not making a profit yet on your business, you can pay yourself a small salary and qualify for full subsidies from ACA.
If you file as a C Corp (which you can do with an LLC), you could even hold profits in retained earnings and not pay them to yourself yet. You would of course have to pay corporate tax on those retained earnings.
I’m from Australia and don’t need to ever worry about health care costs; and you’d never in my life get me to vote to have a system like yours here.
I say this not to rant, but to hope in my heart that America can deliver this level of care to its citizens, and free you and your family from this burden.
Insured families pay $1200-1500/m for premiums with thousands of dollars of deductibles and annual limit on spending. And the. Have to fight for every cent the insurance companies do their damn best to not pay.
How will we pay for single payer? We take all the money that goes for healthcare right now, burn half of it and use the other half. Or less.
I'm not sure the rules on posting links. I'm not associated with any of the above. But whenever I'm relocating and working a contract without benefits. I use those three sites to narrow down my options.
All links on HN are auto tagged with 'nofollow'.
How'd you do what you did?
When you have a contract with an insurance company, that service provider has to pay up or you can sue them if they don't. Sure, there might be a co-pay or a high deductible, but if you draw an unlucky card with cancer / heart / cardio disorders, they will fork out six-seven figure sums to get you better.
"Christian Healthcare Ministries" and the like have no obligation to pay out and you are gambling on their goodwill, which can be revoked at any moment with no recourse. Further, they often have _lifetime_ caps of ~$100k per diagnosis/condition, and in case of any serious illness this will be chewed up in 3-4 months, then you are on your own.
As far as price, just check the market. There should be a way to see prices without even creating an account. The total price to account for is premium*12 + out_of_pocket_max, which should be between $11-15k for the year for a single person regardless of what plan you have. For me, I'm at about $490/month for a $7900 out of pocket max, which puts my total liability at $13780 for the year. Though, it will probably be less than that given that I'm healthy. That said, I'm not in CA.
Anyway, good luck! Running your own business is exciting and this is an expense. Also worth noting that your premiums are completely deductible as a self-employed person, which is normally not the case.
I hope we do Medicare for all. This system is so broken, it is time to learn from Europe, Japan, etc. I don't get why we don't steal great ideas because we are doing terrible.
If you’re young and in good overall health, this might be a choice to consider.
