When I first started to get into the health insurance space I realized why we all put it off as long as we can; it’s fucken exhausting. You feel like you need a college degree just to understand these “basic” terms. Deductible? Co-insurance? Preauthorization? How the heck is anyone supposed to memorize all of this and know how it pertains to their specific situation?
For a good majority of us, we don’t even bother to begin to understand and just go with whatever our employer offers. Plan A, B or C. As an independent contractor however that is not an option. Don’t hold your breath that a club will ever offer health insurance and if they DO- good luck with it coming with a reasonable price tag. Your best bet is to wild west this shit and find coverage yourself. Take it from someone who has shopped around without an agent’s help (because my company didn’t exist when I was a dancer) trying to do this solo is a headache.
Health insurance is one of the most difficult insurances to navigate strictly because of how unique each plan is. My coverage plan does not look the same as the person’s next to me, nor the person next to them. Each individual has their own health concerns, family and personal history, weaknesses and strengths. Believe it or not all of these things play a huge factor in your make up. Someone that is 33 with diabetes is going to need different coverage options than a 21 year old who is relatively healthy and rarely sees the doctor. This is why it is important to talk to someone who has the knowledge of what it is you need specifically!
