Health insurance in the U.S. is a difficult topic, even when you work for a company. It’s even harder to navigate when you’re self-employed.
I found an amazing alternative that I’m excited to share with you! There are 2 separate pieces that, when combined, give you better coverage than traditional health insurance at a better price:
- Direct Primary Care. Do a google search for a doctor in your area that is a direct primary care physician (I have 2 near me!). They generally do not take insurance, charge a monthly flat fee, which covers just about everything you need from your family doctor, and they operate at a higher level of service as compared to a traditional PCP. For instance, they often use telemedicine and are available at the drop of a hat for their patients.
- Cost-sharing Medical Program. Use this in conjuction with your direct primary care provider. There are a few of these to choose from. The one I use is called Sedera and it covers things like hospital stays, surgeries, emergencies, etc. It is also a monthly plan and acts like catastrophic health insurance.
I want to keep this short, but I’m happy to answer any questions you have. Email me if you want to know more about what I’ve found on this topic!
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