#local-nyc

Thread

Dana Cass February 07, 2023 at 06:24 PM

Anyone here get health insurance through the marketplace? I’m transitioning to freelance and my husband runs a small business. I have access to COBRA but I’m wondering whether it would ultimately be cheaper to get marketplace insurance instead. Curious to hear if anyone has firsthand experience.

Ryan Baum February 07, 2023 at 08:35 PM

I've only done medicaid in between jobs, coverage was better than expected but the marketplace is not easy to navigate and the web infrastructure of ny.gov leaves a LOT to be desired

Dana Cass February 08, 2023 at 05:51 PM

Haha yeah it is not exactly the pinnacle of UX. From what I can tell, I’m better off sticking with COBRA while I have it, even though my premium is going up this year and I have a pretty high deductible. The plans with lower deductibles have premiums that are so high as to offset the savings of the deductible, plus there are ZERO plans with any out of network coverage, and I have some beloved providers who are out of network. What a world!

Ryan Baum February 08, 2023 at 10:03 PM

Insurance is a scam unfortunately, and it's probably kept many a writer from going freelance.