How do you cover healthcare as a founder? (US Only)

Question

Got a family of 3 while I work on my startup. Somehow we are surviving for Month over Month but healthcare costs are through the roof.I am seeing premiums from $1170/mo for basic plan that must meet family deductible of $12k (or individual $6k). That means total out of pocket will be around total out of pocket cost are $18k to $26k. There are two cheap plans but appointments and in-network coverage is non-existent.We haven't raised VC round. That is another battle.How do you cover for healthcare in the US? Just cost of healthcare stressing me out while I build the company.Are there any cheap cost care available? We are in Washington state if that matters.Let me know if you know anything that I might have overlooked.

big-green-man · Accepted Answer

Do you bring home a salary/are you profitable? If you make just above the IRS reporting threshold you can get a free or almost free plan from the marketplace (deadline is tomorrow), and if you don't make much it can be pretty cheap. Net worth doesn't factor in here, only income.

gregjor · Answer

I moved out of the USA partly because of health insurance and medical care costs. Something to consider.

cranberryturkey · Answer

I&rsquo;m on medical since I don&rsquo;t have a salary

a_t48 · Answer

Paying $1200 through COBRA for wife and I - hoping to slash that in half given I take no salary (no revenue), but CA claims on the website that I'm not eligible given I currently am eligible for COBRA. Will be calling them tomorrow. Good luck with the raise.

nextworddev · Answer

One Medical

dpistole · Answer

I spent the last 18 months unemployed and on WA "Apple Care", wasn't terrible, got me into the doctor for an ultrasound and into the dentist for an extraction at no cost to me.