I became a freelance 13 years ago. On COBRA for a while. Looked for IEEE group insurance but HI wasn't covered then. The insurance company (HMSA) offered a switch to individual plan. It wasn't too bad initially ($350/mo for me and my wife, HMO, $500/$1000 ded.) But then the premium soared and also we had a kid; at peak it was $1050/mo without drug, vision and dental. I learned antibiotics are pretty expensive.
After ACA, it got a lot better. Currently we have PPO through HMSA in HI. About $650/mo for me, my wife and one kid. Kind of high ded ($1500/$3000), but drugs are covered and also with basic vision and dental.
After ACA, it got a lot better. Currently we have PPO through HMSA in HI. About $650/mo for me, my wife and one kid. Kind of high ded ($1500/$3000), but drugs are covered and also with basic vision and dental.