Outside the box ways to obtain health Insurance for Self-Employed Physician

[drjukes]

I was wondering if anyone uses or knows of anyone who has any outside the box ideas rather than just going on the online marketplaces for health insurance for my family. I am a 1099 independent contractor and all the online plans are extremely expensive. Some of the things I was thinking of include joining a professional organization to obtain group health insurance or possibly working a part-time job that would offer me healthcare insurance. If anybody does either of these or has alternative ideas, I would love to hear them!

[jfoxcpacfp]

The problem is, not many part-time jobs offer health insurance. Starbucks does, and a lot of young people work there for that reason, but I doubt being a barista is one of your goals. Any chance your spouse plans on getting a job with benefits?

An HDHP/HSA combo should lower your costs - have you checked out the bronze plan?

[Craigy]

Go through all the regulatory hoops to start your own insurance company, and self-insure.   

[PhysicianOnFIRE]

Starting next year, you'll have some additional options that were previously associated with the ACA penalty for non-compliant plans. You could opt for a catastrophic plan as soon as October of 2018.

• Tax Reform and Health Insurance: New Options for the Self-Employed & Early Retiree

[askme5]

Any updates for this string for self-employed physician?

[jacoavlu]

check with various societies that you are or could be a member of

our state medical association has a group plan available for small groups but not sure if available to solos

ask colleagues whether they’re solo or private

ask hospitals you work at

call insurance agents

[StateOfMyHead]

Most hospitals offer benefits for part time employees which in my area varies from 0.5FTE to 0.8FTE although unfortunately not as many are offering them for the 20h a week commitment any more. They cost a little more but are generally good insurance plans. The group status for STD, LTD and life insurance depending on your health can be nice perks also.