S
StuartR
Guest
Dan, I appreciate the concern, but there really aren't any options for me at the moment. They don't offer catastrophic insurance in New York, so I cannot get a high deductable, low cost health insurance. They don't have individual HSA's either. I do not qualify for the low-income "Healthy New York" plan made for people who can't afford normal coverage, and I don't qualify for organizations like the Freelancers' Union or other things which would make me part of a group buy. I have spent hours researching it and contacted several different professionals in the industry. The fact is, my particular situation is one of the ones that has fallen through the cracks in New York State. I can either have no insurance, or spend well over 5000 dollars a year for limited coverage. I am a healthy active person who doesn't smoke, drink do drugs or engage in a lot of risky behavior. If I get into a car accident, I have enough money to cover the medical bills...it would not be pleasant, but it would be possible. Anyway, it's just not worth it for me at the moment.