A Freelance Writer’s Rant About Health Insurance
I’ve been in business for over 5 years. I run a 6-figure company and provide a premium service.
And I cannot afford quality health insurance.
Or, more accurately—I can’t afford quality health insurance *without* taking a huge bite out of other expenses that are essential to the successful operation & sustainability of my business.
When my husband was employed full-time, we looked into his benefits, and they sucked! They would’ve still cost us around $1000/month, with unmeetable deductibles and too many additional costs to make it worthwhile.
For the past few years, we’ve belonged to a health-sharing ministry that has a terrible rating on the Better Business Bureau, and whose über Christian values really rub me the wrong way. But, they covered a major surgery I had a few years ago, and it’s better than nothing. I’m just grateful that I had that surgery before the company started gouging its customers and putting a million loopholes in place so they could get out of paying its bills. Otherwise I think there’s a very good chance I’d have a $20,000 medical bill to deal with right now.
Every year, I look into insurance rates and all the different plans & options available, and every year, I do the math, and the math never adds up to be worth it. My health-sharing ministry might be problematic, but it’s costing me at LEAST $15,000 less every year than traditional insurance would.
My doctor recently recommended Sedera, a different health-sharing ministry out of Austin that has a much better rating & reputation, and by all accounts is more equitable and ethical than most of the other ones. We’re probably going to switch.
But yeah… this country is fucked up.
What do YOU do for health insurance? Let’s talk about this thing that nobody talks about.
Samantha Pollack is a Copywriter & Creative Director who works with ethically minded, mission driven businesses who are actively trying to reshape our culture (and possibly tear down the patriarchy). She’s also the founder of The Highly Sensitive Business Owner, a 12-week online program that helps HSPs & neurodivergent business owners create healthier, more sustainable systems in their work.
Sam also writes about feminism, privilege, pop culture, entrepreneurship, the creative process, and whatever else is on her mind. She currently lives in Asheville, NC.
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