Ask HN: What do you do for health insurance?

[josephturnip]

I've been paying for my own private health insurance policy since starting my company. About once every 6 months, I've gotten a notice that my premiums were going up "due to the rising cost of healthcare," to the tune of almost quintupling in price since I signed up 4 years ago.

This time it was too much. I'm looking into other options and I was wondering: what do the other HN self-employed do for health insurance?

[antidoh]

At the moment I go without.

It seems like the "best" compromise would be to buy catastrophic/atmospheric insurance, and otherwise mostly go without.

Have you looked at HMOs? It seems that would be contracting with the medical providers as partial insurance agents, rather than going through a pure middleman/gatekeeper insurance company.

[josephturnip → antidoh]

I haven't looked at HMOs, and I'm really skittish about the idea of going without. I'm currently thinking catastrophic + HSA. Though I'm in my mid-20s and generally in great shape, I've had a couple friends who had really serious medical problems, so I've got some availability bias working against me.

[Mz → josephturnip]

Newish US law: If you are under age 26, you may be able to get coverage through your parents.

[ixacto → Mz]

I'm using this right now. It used to be 24, but Obamacare raised it to 26.